Ulster County, New York home prices
Typical home $451,636 · +3.6% in a year · property tax 1.77%
The typical home in Ulster County is worth $451,636, 14% less than the New York typical home ($524,942). Values changed +3.6% in the past year and +34.3% over five years. Homeowners here pay a median 1.77% of their home's value in property tax each year ($7,992 on the typical home), versus 1.42% statewide.
Mortgage on the typical Ulster County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $90,327 | $361,308 | $2,431 | $0 | $892 | $3,322 | $142,400 |
| 10% down | $45,164 | $406,472 | $2,734 | $169 | $892 | $3,796 | $162,700 |
| 5% down | $22,582 | $429,054 | $2,886 | $179 | $892 | $3,957 | $169,600 |
| 3.5% down (FHA) | $15,807 | $443,455 | $2,983 | $200 | $892 | $4,075 | $174,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.77% 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 · part of the Kingston metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Orange County | $467,501 | +3.5% | 2.19% |
| Saratoga County | $468,194 | +5.5% | 1.4% |
| 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% |
| Tompkins County | $350,432 | +3.5% | 2.24% |
| Putnam County | $575,184 | +5.5% | 2.12% |
Frequently asked questions
What is the average home price in Ulster County, NY?
The typical home value in Ulster County is $451,636 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ulster County?
About $142,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ulster County?
The median effective rate is 1.77% of home value a year (Census ACS 2024 5-year estimates).