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City · 6,213 residents · Dutchess County, New York

Fairview , New York

In Fairview, a typical home is worth $283,500 and typical rent is $1,641 a month. Compared with all of Dutchess County, typical household income is 32% lower and the typical home value is 29% lower.

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  • Typical home value

    $283,500

    29% below the county

    33% below New York

    • Fairview
    • Dutchess
    • New York

  • Typical rent

    $1,641a month

    4% above the county

    About the same as New York

    • Fairview
    • Dutchess
    • New York

  • Typical household income

    $67,161a year

    32% below the county

    22% below New York

    • Fairview
    • Dutchess
    • New York

  • Households that own their home

    65%

    4 points below the county

    10 points above New York

    • Fairview
    • Dutchess
    • New York

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

Fairview is in Dutchess 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 Dutchess County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fairview apart

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

  1. The typical household income in Fairview is $67,161, 32% less than in Dutchess County as a whole ($99,478).

  2. The typical home in Fairview is worth $283,500, 29% less than in Dutchess County as a whole ($400,600).

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

The homes here

Housing in Fairview

What homes there are in Fairview, 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 is the most common home in Fairview: 63% of homes, near the figure in Dutchess County (63%).

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

$2,189 a month

Dutchess County: $2,597 a month

Without a mortgage

$936 a month

Dutchess County: $1,064 a month

Owners with a mortgage

65%

Dutchess County: 62%

In Fairview, 65% of owners have a mortgage, and their typical cost is $2,189 a month, against $2,597 in Dutchess County. Without one it drops to $936.

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 typical home value in Fairview rose 33% since 2015–2019, less than in Dutchess County (42%).

Since 2015–2019, the typical rent in Fairview rose 26%, less than in Dutchess County (30%).

Here income did not keep up with housing: it fell 30%, while home values changed +33% and rent +26%.

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

MeasureFairviewDutchess CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.6%3.8%5.5%
Homeowner vacancy Unreliable estimate0.4%1.1%0.9%
More than one person per room Unreliable estimate1.7%5.3%3.4%
People per household 2.432.402.492.53
Drive alone 78%69%49%69%
Carpool 6%7%6%9%
Public transit Unreliable estimate4%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 10%15%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Dutchess County, a household in Fairview has 2.43 people on average.

The car rules in Fairview: 78% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Fairview?

A typical home costs more than the typical income allows

We start with a typical home in Fairview, worth $283,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Fairview, which is $67,161 a year. For that payment to be 28% of income, a household would need to earn about $117,984 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fairview. 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 $9,923 (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

$2,753

at 7.18% · 30 years

Loan amount
$278,365
Total interest
$400,501
Paid off in
November 2056

Includes $4,788 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,567 a month

  • Tight

    $1,567 to $2,015 a month

  • Hard

    more than $2,015 a month

    Your payment · 49%

Compared with the typical household income in Fairview ($67,161 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,753
Principal & interest$1,886
Property tax$624
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,923 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

Fairview and Dutchess County

Fairview is in Dutchess 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).

Fairview's own numbers

Typical home value
$283,500
Typical monthly rent
$1,641
Typical yearly household income
$67,161
Households that own their home
65%
Effective property tax rate
2.64%

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

Numbers for all of Dutchess County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,131
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.5%

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 Dutchess County.

Everything about Dutchess County

Buying

Buying a home in Fairview

A typical home in Fairview is worth $283,500: 29% below the county and 33% below New York. With the typical household income in Fairview ($67,161 a year), a typical home costs 4.2 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.

  • Fairview 4.2 years
  • Dutchess 4.0 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Dutchess County

According to FHFA’s house price index, home prices in Dutchess County rose 90% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +6.3% +6.0% +2.9%
5 years (2020–2025) +56% +52% +47%
10 years (2015–2025) +90% +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

Fairview next to Dutchess 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
  • Fairview $283,500
  • Dutchess $400,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Fairview $1,641
  • Dutchess $1,582
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Fairview $67,161
  • Dutchess $99,478
  • New York $85,974
  • United States $80,734
See the full table
Fairview next to Dutchess County and New York
Measure Fairview Dutchess County New York U.S.
Typical home value $283,500 $400,600 $423,800 $332,700
Typical monthly rent $1,641 $1,582 $1,621 $1,413
Typical yearly household income $67,161 $99,478 $85,974 $80,734
Households that own their home 65% 69% 54% 65%
Typical yearly property tax $7,496 $7,562 $6,582 $3,119
Effective property tax rate 2.64% 1.89% 1.55% 0.94%
Renters with high rent for their income 53% 52% 52% 51%

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

For a typical $283,500 home in Fairview, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairview's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,753a month

    Least cash to close
    Down payment
    $9,923
    Cash to close
    $18,428
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,701a month

    Down payment
    $14,175
    Cash to close
    $22,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $135

  • Conventional, 20% down, no PMI $2,278a month

    Down payment
    $56,700
    Cash to close
    $65,205
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,540a month

    Down payment
    $42,525
    Cash to close
    $51,030
    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 Fairview and for Dutchess County.

Property tax

Effective rate in Fairview

2.64%of the home’s value each year

$7,496 a year for the typical owner in Fairview.

  • Fairview 2.64%
  • Dutchess 1.89%
  • 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 Dutchess County

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

Homes in the high-risk zone
2.5%
2,455
Of those, with NFIP insurance
31%
County New York U.S.
Homes in the high-risk zone 2.5% 2% 3.5%
Of those, with NFIP insurance 31% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fairview

Typical rent in Fairview is $1,641 a month: 4% above the county. In Fairview, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dutchess County, by unit size. To pay the 2-bedroom one ($2,131 a month) without spending more than 30% of your income, you would need to earn $40.98 an hour working full time.

HUD fair market rent for all of Dutchess 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 $1,484 $28.54 $59,360
1 bedroom $1,659 $31.90 $66,360
2 bedrooms $2,131 $40.98 $85,240
3 bedrooms $2,685 $51.63 $107,400
4 bedrooms $2,824 $54.31 $112,960

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 Fairview

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fairview is in ZIP code 12601.

For 2 bedrooms it is $1,950: $181 less than the fair market rent for Dutchess County ($2,131).

  • 12601 $1,950$2,460

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fairview 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 Fairview

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 Dutchess County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Fairview

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

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

Housing counselors near Fairview

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

  • Hudson River Housing

    313 Mill St, Poughkeepsie · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (845) 454-5176

  • Rupco Inc.

    304 Flatbush Ave, Kingston · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (845) 331-2140

  • Rupco, Inc.

    304 Flatbush Ave, Kingston · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (845) 331-2140

Every agency in Dutchess County All counseling agencies in New York

Help in Spanish near Fairview

3 of the 3 agencies on this list say they serve 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 Fairview

In HUD’s record, no housing authority with an office in Dutchess County is named for Fairview or Dutchess County.

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

Cities

Other cities in Dutchess County

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

Everything about Dutchess County Housing in New York

Nearby cities

The cities closest to Fairview, with the typical home value.

Neighboring counties

If Dutchess 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 Fairview.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Fairview

Short answers with the numbers for Fairview and all of Dutchess 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 Fairview?

The typical home value in Fairview is $283,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dutchess County it is $400,600.

How much does it cost to rent in Fairview?

Typical rent in Fairview is $1,641 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dutchess County is $2,131.

What is the FHA loan limit in Fairview?

Fairview uses the FHA limit for all of Dutchess 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 Fairview?

The typical homeowner in Fairview pays $7,496 a year, according to the U.S. Census Bureau. That is 2.64% of the home’s value; in Dutchess County, the rate is 1.89%.

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

There is 1 HUD-approved counseling agency with an office in Dutchess County. 1 says it serves in Spanish. 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).