Kingston, NY home prices
Typical home $451,632 · +3.6% in a year · income needed $142,400
The Kingston, NY metro area ranks 99 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.6% in a year and +34.3% over five years. With 20% down at 7.11%, the typical home costs about $3,322 a month including 1.77% property tax (Ulster County rate).
Mortgage on the typical Kingston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $90,326 | $361,305 | $2,431 | $0 | $892 | $3,322 | $142,400 |
| 10% down | $45,163 | $406,468 | $2,734 | $169 | $892 | $3,796 | $162,700 |
| 5% down | $22,582 | $429,050 | $2,886 | $179 | $892 | $3,957 | $169,600 |
| 3.5% down (FHA) | $15,807 | $443,451 | $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.
Counties in the Kingston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ulster County, NY | $451,636 | +3.6% | 1.77% |
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 Kingston?
The typical home in the Kingston, NY metro area is worth $451,632 (Zillow, September 2026).
What salary do you need to buy a house in Kingston?
About $142,400 a year for the typical home with 20% down at 7.11%.