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City · 6,581 residents · Rensselaer County, New York

East Greenbush , New York

In East Greenbush, a typical home is worth $303,400 and typical rent is $1,753 a month. Compared with all of Rensselaer County, typical rent is 44% higher and typical household income is 35% higher.

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  • Typical home value

    $303,400

    17% above the county

    28% below New York

    • East Greenbush
    • Rensselaer
    • New York

  • Typical rent

    $1,753a month

    44% above the county

    8% above New York

    • East Greenbush
    • Rensselaer
    • New York

  • Typical household income

    $118,393a year

    35% above the county

    38% above New York

    • East Greenbush
    • Rensselaer
    • New York

  • Households that own their home

    64%

    1 points below the county

    10 points above New York

    • East Greenbush
    • Rensselaer
    • New York

Source: U.S. Census Bureau, Average 2020–2024

East Greenbush is in Rensselaer 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 Rensselaer County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Greenbush apart

What this place has that others do not, from public data, most unusual first.

  1. The typical rent in East Greenbush is $1,753 a month, 44% more than in Rensselaer County as a whole ($1,217).

  2. Nearby, in Hampton Manor, the typical rent is $1,188: 32% less than in East Greenbush ($1,753).

  3. Nearby, in Rensselaer, the typical home value is $208,900: 31% less than in East Greenbush ($303,400).

  4. The typical household income in East Greenbush is $118,393, 35% more than in Rensselaer County as a whole ($87,915).

  5. The typical home in East Greenbush is worth $303,400, 17% more than in Rensselaer County as a whole ($258,400).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in East Greenbush

What homes there are in East Greenbush, 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

The detached house rules in East Greenbush: 64% of homes, more than in Rensselaer County (56%).

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,285 a month

Rensselaer County: $1,940 a month

Without a mortgage

$862 a month

Rensselaer County: $756 a month

Owners with a mortgage

73%

Rensselaer County: 61%

The typical cost for an owner with a mortgage in East Greenbush is $2,285 a month, more than in Rensselaer County ($1,940); without one, $862.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The Census does not compare East Greenbush with 2015–2019 because its boundaries changed. In Rensselaer County, over that time, the typical home value rose 37%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEast GreenbushRensselaer CountyNew YorkUnited States
Rental vacancy Unreliable estimate5.8%3.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room Unreliable estimate1.6%5.3%3.4%
People per household 2.372.302.492.53
Drive alone 70%72%49%69%
Carpool 11%7%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 14%14%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Rensselaer County, a household in East Greenbush has 2.37 people on average.

Carpooling is common in East Greenbush: 11% of workers get to work that way, against 7% in Rensselaer County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in East Greenbush?

A typical home is tight for the typical income

We start with a typical home in East Greenbush, worth $303,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in East Greenbush, which is $118,393 a year. For that payment to be 28% of income, a household would need to earn about $123,123 a year.

The calculator's FHA and conventional loan limits are those of all of Rensselaer County.

Your numbers

Local data
$

Starts at the typical home value in East Greenbush. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,619 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,873

at 7.18% · 30 years

Loan amount
$297,905
Total interest
$428,615
Paid off in
November 2056

Includes $5,124 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,763 a month

  • Tight

    $2,763 to $3,552 a month

    Your payment · 29%

  • Hard

    more than $3,552 a month

Compared with the typical household income in East Greenbush ($118,393 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,873
Principal & interest$2,018
Property tax$594
Home insurance$126
FHA mortgage insurance (MIP)$134

You need at least $10,619 for the down payment, plus closing costs.

Next step

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.

The city and its county

East Greenbush and Rensselaer County

East Greenbush is in Rensselaer 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).

East Greenbush's own numbers

Typical home value
$303,400
Typical monthly rent
$1,753
Typical yearly household income
$118,393
Households that own their home
64%
Effective property tax rate
2.35%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Rensselaer County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,711
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.3%

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 Rensselaer County.

Everything about Rensselaer County

Buying

Buying a home in East Greenbush

A typical home in East Greenbush is worth $303,400: 17% above the county and 28% below New York. With the typical household income in East Greenbush ($118,393 a year), a typical home costs 2.6 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.

  • East Greenbush 2.6 years
  • Rensselaer 2.9 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rensselaer County

According to FHFA’s house price index, home prices in Rensselaer County rose 76% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Rensselaer County.

Period County New York U.S.
Last year (2025) +5.1% +6.0% +2.9%
5 years (2020–2025) +51% +52% +47%
10 years (2015–2025) +76% +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

East Greenbush next to Rensselaer 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
  • East Greenbush $303,400
  • Rensselaer $258,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • East Greenbush $1,753
  • Rensselaer $1,217
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • East Greenbush $118,393
  • Rensselaer $87,915
  • New York $85,974
  • United States $80,734
See the full table
East Greenbush next to Rensselaer County and New York
Measure East Greenbush Rensselaer County New York U.S.
Typical home value $303,400 $258,400 $423,800 $332,700
Typical monthly rent $1,753 $1,217 $1,621 $1,413
Typical yearly household income $118,393 $87,915 $85,974 $80,734
Households that own their home 64% 65% 54% 65%
Typical yearly property tax $7,132 $5,301 $6,582 $3,119
Effective property tax rate 2.35% 2.05% 1.55% 0.94%
Renters with high rent for their income 63% 47% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rensselaer 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 East Greenbush

For a typical $303,400 home in East Greenbush, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Greenbush's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,873a month

    Least cash to close
    Down payment
    $10,619
    Cash to close
    $19,721
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,817a month

    Down payment
    $15,170
    Cash to close
    $24,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $2,365a month

    Down payment
    $60,680
    Cash to close
    $69,782
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,645a month

    Down payment
    $45,510
    Cash to close
    $54,612
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for East Greenbush and for Rensselaer County.

Property tax

Effective rate in East Greenbush

2.35%of the home’s value each year

$7,132 a year for the typical owner in East Greenbush.

  • East Greenbush 2.35%
  • Rensselaer 2.05%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Rensselaer County

FEMA does not publish these numbers by city: they are for all of Rensselaer County.

Homes in the high-risk zone
0.3%
143
Of those, with NFIP insurance
—
County New York U.S.
Homes in the high-risk zone 0.3% 2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Greenbush

Typical rent in East Greenbush is $1,753 a month: 44% above the county. In East Greenbush, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rensselaer County, by unit size. To pay the 2-bedroom one ($1,711 a month) without spending more than 30% of your income, you would need to earn $32.90 an hour working full time.

HUD fair market rent for all of Rensselaer County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,238 $23.81 $49,520
1 bedroom $1,425 $27.40 $57,000
2 bedrooms $1,711 $32.90 $68,440
3 bedrooms $2,039 $39.21 $81,560
4 bedrooms $2,249 $43.25 $89,960

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 East Greenbush

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Greenbush has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,970 in 12144 to $2,320 in 12061.

2 of the 2 are above the fair market rent for Rensselaer County ($1,711).

  • 12061 $2,320$2,760
  • 12144 $1,970$2,350

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Greenbush 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in East Greenbush

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.

There is 1 HUD-approved agency with an office in Rensselaer County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in East Greenbush

No down payment, repair or rent-help program on our list is for East Greenbush or Rensselaer County. The ones below are statewide in New York: they work in East Greenbush the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near East Greenbush

The HUD-approved agencies closest to the center of East Greenbush, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Affordable Housing Partnership

    255 Orange St Ste 105, Albany · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 434-1730

  • Troy Rehabilitation and Improvement Program

    415 River St Ste 2, Troy · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 690-0020

  • Albany County Rural Housing Alliance, Inc.

    24 Martin Rd, Voorheesville · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (518) 765-2425

Every agency in Rensselaer County All counseling agencies in New York

Help in Spanish near East Greenbush

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of East Greenbush

In HUD’s record, no housing authority with an office in Rensselaer County is named for East Greenbush or Rensselaer County.

3 other authorities have an office in Rensselaer County: see the list Source: HUD

Cities

Other cities in Rensselaer County

These cities are also in Rensselaer County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Rensselaer County Housing in New York

Nearby cities

The cities closest to East Greenbush, with the typical home value.

Neighboring counties

If Rensselaer County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in East Greenbush.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about East Greenbush

Short answers with the numbers for East Greenbush and all of Rensselaer 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 East Greenbush?

The typical home value in East Greenbush is $303,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rensselaer County it is $258,400.

How much does it cost to rent in East Greenbush?

Typical rent in East Greenbush is $1,753 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rensselaer County is $1,711.

What is the FHA loan limit in East Greenbush?

East Greenbush uses the FHA limit for all of Rensselaer 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 East Greenbush?

The typical homeowner in East Greenbush pays $7,132 a year, according to the U.S. Census Bureau. That is 2.35% of the home’s value; in Rensselaer County, the rate is 2.05%.

Where can I find free help to buy or rent in East Greenbush?

There is 1 HUD-approved counseling agency with an office in Rensselaer County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).