Hudson, NY home prices
Typical home $489,939 · +5.6% in a year · income needed $148,000
The Hudson, NY metro area ranks 79 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.6% in a year and +33.9% over five years. With 20% down at 7.11%, the typical home costs about $3,452 a month including 1.4% property tax (Columbia County rate).
Mortgage on the typical Hudson home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $97,988 | $391,951 | $2,637 | $0 | $816 | $3,452 | $148,000 |
| 10% down | $48,994 | $440,945 | $2,966 | $184 | $816 | $3,966 | $170,000 |
| 5% down | $24,497 | $465,442 | $3,131 | $194 | $816 | $4,141 | $177,500 |
| 3.5% down (FHA) | $17,148 | $481,065 | $3,236 | $217 | $816 | $4,269 | $182,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.4% 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.
Counties in the Hudson area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Columbia County, NY | $489,917 | +5.6% | 1.4% |
What can you afford in New York on your salary? · New York home prices · Salaries in New York
Frequently asked questions
How much is a house in Hudson?
The typical home in the Hudson, NY metro area is worth $489,939 (Zillow, September 2026).
What salary do you need to buy a house in Hudson?
About $148,000 a year for the typical home with 20% down at 7.11%.