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City · 14,609 residents · Warren County, New York

Glens Falls , New York

In Glens Falls, a typical home is worth $212,200 and typical rent is $1,077 a month. Compared with all of Warren County, the typical home value is 21% lower, typical household income is 14% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $212,200

    21% below the county

    50% below New York

    • Glens Falls
    • Warren
    • New York

  • Typical rent

    $1,077a month

    3% below the county

    34% below New York

    • Glens Falls
    • Warren
    • New York

  • Typical household income

    $67,788a year

    14% below the county

    21% below New York

    • Glens Falls
    • Warren
    • New York

  • Households that own their home

    52%

    20 points below the county

    2 points below New York

    • Glens Falls
    • Warren
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$273,573
3.3% more than 12 months ago
Typical rent
$1,440 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Glens Falls is in Warren 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 Warren County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Glens Falls apart

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

  1. 52% of households in Glens Falls own their home, against 72% in Warren County.

  2. Nearby, in Hudson Falls, the typical home value is $165,200: 22% less than in Glens Falls ($212,200).

  3. The typical home in Glens Falls is worth $212,200, 21% less than in Warren County as a whole ($267,400).

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

The homes here

Housing in Glens Falls

What homes there are in Glens Falls, 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

Homes in Glens Falls are varied: detached houses are the largest group, at 49%, against 72% in Warren County.

Year built

Old homes abound here: at least half date from before 1940, and 72% were built before 1960.

Homes in Glens Falls are smaller: 45% have 3 bedrooms or more; in Warren County, 60%.

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

At least 96% of owner-occupied homes in Glens Falls are worth less than $500,000, below the FHA loan limit for Warren County ($541,287).

Monthly rent with utilities

About 73% of rented homes in Glens Falls cost less than HUD's 2-bedroom fair market rent for Warren County ($1,347).

With a mortgage

$1,668 a month

Warren County: $1,757 a month

Without a mortgage

$710 a month

Warren County: $664 a month

Owners with a mortgage

69%

Warren County: 59%

Owning costs less in Glens Falls: with a mortgage, the typical cost is $1,668 a month; in Warren County, $1,757. Without one, $710.

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 Glens Falls rose 36% since 2015–2019, about the same as in Warren County (36%).

The typical rent in Glens Falls rose 24% over the same time; in Warren County, it rose 19%.

To compare: typical income in Glens Falls rose 35%; the home, +36%; the rent, +24%.

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

MeasureGlens FallsWarren CountyNew YorkUnited States
Rental vacancy Unreliable estimate6.8%3.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate0.9%5.3%3.4%
People per household 2.032.132.492.53
Drive alone 74%77%49%69%
Carpool 9%8%6%9%
Public transit 1%Unreliable estimate22%3%
Walk or bike 6%3%6%3%
Work from home 9%9%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Glens Falls has 2.03 people on average, about the same as in Warren County (2.13).

The car rules in Glens Falls: 74% 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 Glens Falls?

A typical home is tight for the typical income

We start with a typical home in Glens Falls, worth $212,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Glens Falls, which is $67,788 a year. For that payment to be 28% of income, a household would need to earn about $84,294 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Glens Falls. 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 $7,427 (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

$1,967

at 7.18% · 30 years

Loan amount
$208,357
Total interest
$299,776
Paid off in
November 2056

Includes $3,584 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,582 a month

  • Tight

    $1,582 to $2,034 a month

    Your payment · 35%

  • Hard

    more than $2,034 a month

Compared with the typical household income in Glens Falls ($67,788 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,967
Principal & interest$1,411
Property tax$373
Home insurance$88
FHA mortgage insurance (MIP)$94

You need at least $7,427 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

Glens Falls and Warren County

Glens Falls is in Warren 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).

Glens Falls's own numbers

Typical home value
$212,200
Typical monthly rent
$1,077
Typical yearly household income
$67,788
Households that own their home
52%
Effective property tax rate
2.11%

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

Numbers for all of Warren County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,347
Price change over 5 years (FHFA)
+53%

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 Warren County.

Everything about Warren County

Buying

Buying a home in Glens Falls

A typical home in Glens Falls is worth $212,200: 21% below the county and 50% below New York. With the typical household income in Glens Falls ($67,788 a year), a typical home costs 3.1 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.

  • Glens Falls 3.1 years
  • Warren 3.4 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Warren County

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

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

Period County New York U.S.
Last year (2025) +10.5% +6.0% +2.9%
5 years (2020–2025) +53% +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

Glens Falls next to Warren 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
  • Glens Falls $212,200
  • Warren $267,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Glens Falls $1,077
  • Warren $1,105
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Glens Falls $67,788
  • Warren $78,442
  • New York $85,974
  • United States $80,734
See the full table
Glens Falls next to Warren County and New York
Measure Glens Falls Warren County New York U.S.
Typical home value $212,200 $267,400 $423,800 $332,700
Typical monthly rent $1,077 $1,105 $1,621 $1,413
Typical yearly household income $67,788 $78,442 $85,974 $80,734
Households that own their home 52% 72% 54% 65%
Typical yearly property tax $4,472 $3,936 $6,582 $3,119
Effective property tax rate 2.11% 1.47% 1.55% 0.94%
Renters with high rent for their income 50% 48% 52% 51%

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

For a typical $212,200 home in Glens Falls, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Glens Falls's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,967a month

    Least cash to close
    Down payment
    $7,427
    Cash to close
    $13,793
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,928a month

    Down payment
    $10,610
    Cash to close
    $16,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,612a month

    Down payment
    $42,440
    Cash to close
    $48,806
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,808a month

    Down payment
    $31,830
    Cash to close
    $38,196
    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 Glens Falls and for Warren County.

Property tax

Effective rate in Glens Falls

2.11%of the home’s value each year

$4,472 a year for the typical owner in Glens Falls.

  • Glens Falls 2.11%
  • Warren 1.47%
  • 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 Warren County

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

FEMA’s maps count no homes in the high-risk zone in Warren County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Glens Falls

Typical rent in Glens Falls is $1,077 a month: 3% below the county. In Glens Falls, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($1,347 a month) without spending more than 30% of your income, you would need to earn $25.90 an hour working full time.

HUD fair market rent for all of Warren 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 $1,066 $20.50 $42,640
1 bedroom $1,073 $20.63 $42,920
2 bedrooms $1,347 $25.90 $53,880
3 bedrooms $1,745 $33.56 $69,800
4 bedrooms $1,770 $34.04 $70,800

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 Glens Falls

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Glens Falls is in ZIP code 12801.

For 2 bedrooms it is $1,340: $7 less than the fair market rent for Warren County ($1,347).

  • 12801 $1,340$1,740

A ZIP code counts for Glens Falls 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?

Low-income apartments

Low-income apartments in Glens Falls

HUD lists one building with rents for lower incomes in Glens Falls.

  • Village Green Apartments 1 S Delaware Ave, Glens Falls 12801 136 homes, 135 low-income · For families (518) 792-6771

See all 7 buildings in Warren County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Glens Falls

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 Warren County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Glens Falls

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

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

Housing counselors near Glens Falls

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

  • BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)

    816 Union St, Schenectady · 37 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (518) 372-7616

  • Troy Rehabilitation and Improvement Program

    415 River St Ste 2, Troy · 40 miles away

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

  • Affordable Housing Partnership

    255 Orange St Ste 105, Albany · 45 miles away · Spanish

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

All counseling agencies in New York

Help in Spanish near Glens Falls

2 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 Glens Falls

HUD’s record names them for Glens Falls or Warren County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • City of Glens Falls Housing Authority Public housing and Section 8 vouchers (518) 636-2166

All housing agencies in New York Source: HUD

Cities

Other cities in Warren County

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

Everything about Warren County Housing in New York

Nearby cities

The cities closest to Glens Falls, with the typical home value.

Neighboring counties

If Warren 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 Glens Falls.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Glens Falls

Short answers with the numbers for Glens Falls and all of Warren 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 Glens Falls?

The typical home value in Glens Falls is $212,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $267,400.

How much does it cost to rent in Glens Falls?

Typical rent in Glens Falls is $1,077 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,347.

What is the FHA loan limit in Glens Falls?

Glens Falls uses the FHA limit for all of Warren 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 Glens Falls?

The typical homeowner in Glens Falls pays $4,472 a year, according to the U.S. Census Bureau. That is 2.11% of the home’s value; in Warren County, the rate is 1.47%.

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

We found no HUD-approved counseling agencies with an office in Warren County; the nearest ones are on this page. 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).