Orange County, New York home prices
Typical home $467,501 · +3.5% in a year · property tax 2.19%
The typical home in Orange County is worth $467,501, 11% less than the New York typical home ($524,942). Values changed +3.5% in the past year and +35.8% over five years. Homeowners here pay a median 2.19% of their home's value in property tax each year ($10,237 on the typical home), versus 1.42% statewide.
Mortgage on the typical Orange County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $93,500 | $374,001 | $2,516 | $0 | $1,087 | $3,603 | $154,400 |
| 10% down | $46,750 | $420,751 | $2,830 | $175 | $1,087 | $4,093 | $175,400 |
| 5% down | $23,375 | $444,126 | $2,988 | $185 | $1,087 | $4,260 | $182,600 |
| 3.5% down (FHA) | $16,363 | $459,034 | $3,088 | $207 | $1,087 | $4,382 | $187,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.19% 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 |
|---|---|---|---|
| Saratoga County | $468,194 | +5.5% | 1.4% |
| Ulster County | $451,636 | +3.6% | 1.77% |
| Columbia County | $489,917 | +5.6% | 1.4% |
| Bronx County | $503,721 | +5.8% | 1.03% |
| Dutchess County | $504,887 | +5.7% | 1.89% |
| Warren County | $380,651 | +5.7% | 1.47% |
| Albany County | $372,401 | +4.1% | 1.77% |
| Greene County | $368,122 | +3.7% | 1.49% |
| Putnam County | $575,184 | +5.5% | 2.12% |
| Tompkins County | $350,432 | +3.5% | 2.24% |
Frequently asked questions
What is the average home price in Orange County, NY?
The typical home value in Orange County is $467,501 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Orange County?
About $154,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Orange County?
The median effective rate is 2.19% of home value a year (Census ACS 2024 5-year estimates).