Dutchess County, New York home prices
Typical home $504,887 · +5.7% in a year · property tax 1.89%
The typical home in Dutchess County is worth $504,887, 4% less than the New York typical home ($524,942). Values changed +5.7% in the past year and +34.8% over five years. Homeowners here pay a median 1.89% of their home's value in property tax each year ($9,531 on the typical home), versus 1.42% statewide.
Mortgage on the typical Dutchess County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $100,977 | $403,910 | $2,717 | $0 | $1,047 | $3,764 | $161,300 |
| 10% down | $50,489 | $454,398 | $3,057 | $189 | $1,047 | $4,293 | $184,000 |
| 5% down | $25,244 | $479,643 | $3,227 | $200 | $1,047 | $4,473 | $191,700 |
| 3.5% down (FHA) | $17,671 | $495,742 | $3,335 | $223 | $1,047 | $4,605 | $197,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.89% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bronx County | $503,721 | +5.8% | 1.03% |
| Columbia County | $489,917 | +5.6% | 1.4% |
| Saratoga County | $468,194 | +5.5% | 1.4% |
| Orange County | $467,501 | +3.5% | 2.19% |
| Ulster County | $451,636 | +3.6% | 1.77% |
| Putnam County | $575,184 | +5.5% | 2.12% |
| Warren County | $380,651 | +5.7% | 1.47% |
| Albany County | $372,401 | +4.1% | 1.77% |
| Greene County | $368,122 | +3.7% | 1.49% |
| Tompkins County | $350,432 | +3.5% | 2.24% |
Frequently asked questions
What is the average home price in Dutchess County, NY?
The typical home value in Dutchess County is $504,887 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Dutchess County?
About $161,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Dutchess County?
The median effective rate is 1.89% of home value a year (Census ACS 2024 5-year estimates).