In Albion, a typical home is worth $82,300 and typical rent is $881 a month. Compared with all of Orleans County, the typical home value is 42% lower, typical household income is 37% lower, and the share of households that own their home is 14 points lower.
Albion is in Orleans County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Orleans County. See the county
What this place has that others do not, from public data, most unusual first.
1
Albion has the 2nd lowest typical home value of the 348 cities in New York with more than 5,000 people ($82,300).
2
Albion has the 4th lowest typical household income of the 350 cities in New York with more than 5,000 people ($41,581).
3
63% of households in Albion own their home, against 77% in Orleans County.
4
Albion has the 21st lowest typical rent of the 333 cities in New York with more than 5,000 people ($881).
5
20% of households in Albion have no internet at home (10% in Orleans County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Albion
What homes there are in Albion, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Albion
Orleans County
New York
United States
Kind of home: Albion and its comparisons
Measure
Albion
Orleans County
New York
United States
Detached house
49%
73%
41%
61%
Attached house
Unreliable estimate
2%
6%
6%
Building of 2 to 4
22%
10%
17%
8%
Apartments (5 or more)
Unreliable estimate
6%
35%
19%
Mobile home
13%
9%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Albion; the largest group, detached houses, adds up to 49%, less than in Orleans County (73%).
There are more mobile homes here than in Orleans County: 13% of homes, against 9%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Albion
Orleans County
New York
United States
Year built: Albion and its comparisons
Measure
Albion
Orleans County
New York
United States
Before 1960
53%
54%
52%
26%
1960–1979
18%
18%
22%
24%
1980–1999
22%
19%
14%
25%
2000–2009
Unreliable estimate
6%
6%
14%
2010 or later
Unreliable estimate
3%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K65%
$100K–$200K27%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Albion and its comparisons
Measure
Albion
Under $100K
65%
$100K–$200K
27%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99952%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Albion and its comparisons
Measure
Albion
Under $500
Unreliable estimate
$500–$999
52%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,159 a month
Orleans County: $1,469 a month
Without a mortgage
$685 a month
Orleans County: $677 a month
Owners with a mortgage
51%
Orleans County: 57%
The typical cost for an owner with a mortgage in Albion is $1,159 a month, less than in Orleans County ($1,469); without one, $685.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
AlbionNo clear change
Orleans County+43%
New York+35%
United States+53%
Typical rent
Albion+31%
Orleans County+20%
New York+27%
United States+33%
Typical household income
AlbionNo clear change
Orleans County+25%
New York+26%
United States+29%
Change since 2015–2019: Albion and its comparisons
Measure
Albion
Orleans County
New York
United States
Typical home value
No clear change
+43%
+35%
+53%
Typical rent
+31%
+20%
+27%
+33%
Typical household income
No clear change
+25%
+26%
+29%
The typical home value in Albion stayed about the same since 2015–2019: the Census sees no clear change.
The typical rent in Albion rose 31% over the same time; in Orleans County, it rose 20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Albion and its comparisons
Measure
Albion
Orleans County
New York
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
5.3%
3.4%
People per household
2.01
2.29
2.49
2.53
Drive alone
64%
75%
49%
69%
Carpool
Unreliable estimate
9%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
Unreliable estimate
11%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Albion has 2.01 people, fewer than in Orleans County (2.29).
To get to work, 64% of workers in Albion drive alone; in Orleans County, 75%.
Do the math
What would you pay each month for a home in Albion?
A typical home is within reach of the typical income
We start with a typical home in Albion, worth $82,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Albion, which is $41,581 a year.
The calculator's FHA and conventional loan limits are those of all of Orleans County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Albion. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $2,881 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$902
at 7.18% · 30 years
Loan amount
$80,809
Total interest
$116,265
Paid off in
November 2056
Includes $1,390 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $970 a month
Your payment · 26%
Tight
$970 to $1,247 a month
Hard
more than $1,247 a month
Compared with the typical household income in Albion ($41,581 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$547
Property tax
$284
Home insurance
$34
FHA mortgage insurance (MIP)
$36
You need at least $2,881 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $902; principal and interest $547.
The city and its county
Albion and Orleans County
Albion is in Orleans County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Albion
Map of Orleans County, New York, with Albion marked. Around it, the neighboring counties.
Albion
Orleans County
Other cities with a page
Albion's own numbers
Typical home value
$82,300
Typical monthly rent
$881
Typical yearly household income
$41,581
Households that own their home
63%
Effective property tax rate
4.14%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orleans County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,416
Price change over 5 years (FHFA)
+70%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orleans County.
A typical home in Albion is worth $82,300: 42% below the county and 81% below New York. With the typical household income in Albion ($41,581 a year), a typical home costs 2.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Albion2.0 years
Orleans2.1 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orleans County
According to FHFA’s house price index, home prices in Orleans County rose 107% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orleans County.
Yearly change in FHFA’s price index in Orleans County, 2016 to 2025
2016: −1.0% −1.0% 2016
2017: +7.0% +7.0% 2017
2018: +4.3% +4.3% 2018
2019: +5.5% +5.5% 2019
2020: +4.4% +4.4% 2020
2021: +13.1% +13.1% 2021
2022: +12.6% +12.6% 2022
2023: +7.3% +7.3% 2023
2024: +6.8% +6.8% 2024
2025: +16.4% +16.4% 2025
Change in FHFA’s price index in Orleans County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+16.4%
+6.0%
+2.9%
5 years (2020–2025)
+70%
+52%
+47%
10 years (2015–2025)
+107%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Albion next to Orleans County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Albion$82,300
Orleans$140,800
New York$423,800
United States$332,700
Typical monthly rent
Albion$881
Orleans$874
New York$1,621
United States$1,413
Typical yearly household income
Albion$41,581
Orleans$65,969
New York$85,974
United States$80,734
See the full table
Albion next to Orleans County and New York
Measure
Albion
Orleans County
New York
U.S.
Typical home value
$82,300 ▼42% below the county
$140,800
$423,800
$332,700
Typical monthly rent
$881
$874
$1,621
$1,413
Typical yearly household income
$41,581 ▼37% below the county
$65,969
$85,974
$80,734
Households that own their home
63% ▼14 points below the county
77%
54%
65%
Typical yearly property tax
$3,405 ▼11% below the county
$3,823
$6,582
$3,119
Effective property tax rate
4.14% ▲1.42 points above the county
2.72%
1.55%
0.94%
Renters with high rent for their income
44% ▲5 points above the county
39%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orleans County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Albion
For a typical $82,300 home in Albion, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Albion's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$902a month
Least cash to close
Down payment
$2,881
Cash to close
$5,350
Rate
7.18%
Mortgage insurance
FHA MIP · $36
Conventional, 5% down$887a month
Down payment
$4,115
Cash to close
$6,584
Rate
7.18%
Mortgage insurance
PMI · $39
Conventional, 20% down, no PMI$764a month
Down payment
$16,460
Cash to close
$18,929
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$840a month
Down payment
$12,345
Cash to close
$14,814
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Albion
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$902
$2,881
$80,809
7.18%
FHA MIP · $36
$5,350
580
Conventional, 5% down
$887
$4,115
$78,185
7.18%
PMI · $39
$6,584
620*
Conventional, 20% down, no PMI
$764
$16,460
$65,840
7.18%
None
$18,929
620*
ITIN, 15% down (example)
$840
$12,345
$69,955
8.18%
None
$14,814
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Albion is $881 a month: about the same as the county. In Albion, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orleans County, by unit size. To pay the 2-bedroom one ($1,416 a month) without spending more than 30% of your income, you would need to earn $27.23 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orleans County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,005
$19.33
$40,200
1 bedroom
$1,131
$21.75
$45,240
2 bedrooms
$1,416
$27.23
$56,640
3 bedrooms
$1,706
$32.81
$68,240
4 bedrooms
$1,875
$36.06
$75,000
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Albion
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Albion is in ZIP code 14411.
For 2 bedrooms it is $1,420: $4 more than the fair market rent for Orleans County ($1,416).
Fair market rent by ZIP code and size in Albion, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14411
$1,010
$1,140
$1,420
$1,710
$1,880
ZIP code2 bd3 bd
14411 $1,420$1,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Albion when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Orleans County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Albion or Orleans County. The ones below are statewide in New York: they work in Albion the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Albion or Orleans County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Albion and all of Orleans County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Albion?
The typical home value in Albion is $82,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orleans County it is $140,800.
How much does it cost to rent in Albion?
Typical rent in Albion is $881 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orleans County is $1,416.
What is the FHA loan limit in Albion?
Albion uses the FHA limit for all of Orleans County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Albion?
The typical homeowner in Albion pays $3,405 a year, according to the U.S. Census Bureau. That is 4.14% of the home’s value; in Orleans County, the rate is 2.72%.
Where can I find free help to buy or rent in Albion?
We found no HUD-approved counseling agencies with an office in Orleans County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
