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City · 5,334 residents · Rensselaer County, New York

Hampton Manor , New York

In Hampton Manor, a typical home is worth $239,400 and typical rent is $1,188 a month. Compared with all of Rensselaer County, typical household income is 12% higher, the typical home value is 7% lower, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $239,400

    7% below the county

    44% below New York

    • Hampton Manor
    • Rensselaer
    • New York

  • Typical rent

    $1,188a month

    2% below the county

    27% below New York

    • Hampton Manor
    • Rensselaer
    • New York

  • Typical household income

    $98,364a year

    12% above the county

    14% above New York

    • Hampton Manor
    • Rensselaer
    • New York

  • Households that own their home

    84%

    19 points above the county

    29 points above New York

    • Hampton Manor
    • Rensselaer
    • New York

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

Hampton Manor 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 Hampton Manor apart

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

  1. 84% of households in Hampton Manor own their home, against 65% in Rensselaer County.

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

The homes here

Housing in Hampton Manor

What homes there are in Hampton Manor, 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 Hampton Manor: 79% 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

$1,785 a month

Rensselaer County: $1,940 a month

Without a mortgage

$772 a month

Rensselaer County: $756 a month

Owners with a mortgage

64%

Rensselaer County: 61%

In Hampton Manor, 64% of owners have a mortgage, and their typical cost is $1,785 a month, against $1,940 in Rensselaer County. Without one it drops to $772.

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

Hampton Manor does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Rensselaer County 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

MeasureHampton ManorRensselaer 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 2.272.302.492.53
Drive alone 77%72%49%69%
Carpool Unreliable estimate7%6%9%
Public transit 7%2%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 12%14%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Hampton Manor has 2.27 people on average, about the same as in Rensselaer County (2.30).

In Hampton Manor, 7% of workers get to work by public transit; in Rensselaer County, 2%.

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 Hampton Manor?

A typical home is within reach of the typical income

We start with a typical home in Hampton Manor, worth $239,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Hampton Manor, which is $98,364 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 Hampton Manor. 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 $8,379 (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

$2,281

at 7.18% · 30 years

Loan amount
$235,064
Total interest
$338,202
Paid off in
November 2056

Includes $4,043 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,295 a month

    Your payment · 28%

  • Tight

    $2,295 to $2,951 a month

  • Hard

    more than $2,951 a month

Compared with the typical household income in Hampton Manor ($98,364 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,281
Principal & interest$1,592
Property tax$483
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,379 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

Hampton Manor and Rensselaer County

Hampton Manor 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).

Hampton Manor's own numbers

Typical home value
$239,400
Typical monthly rent
$1,188
Typical yearly household income
$98,364
Households that own their home
84%
Effective property tax rate
2.42%

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 Hampton Manor

A typical home in Hampton Manor is worth $239,400: 7% below the county and 44% below New York. With the typical household income in Hampton Manor ($98,364 a year), a typical home costs 2.4 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.

  • Hampton Manor 2.4 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

Hampton Manor 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
  • Hampton Manor $239,400
  • Rensselaer $258,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Hampton Manor $1,188
  • Rensselaer $1,217
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Hampton Manor $98,364
  • Rensselaer $87,915
  • New York $85,974
  • United States $80,734
See the full table
Hampton Manor next to Rensselaer County and New York
Measure Hampton Manor Rensselaer County New York U.S.
Typical home value $239,400 $258,400 $423,800 $332,700
Typical monthly rent $1,188 $1,217 $1,621 $1,413
Typical yearly household income $98,364 $87,915 $85,974 $80,734
Households that own their home 84% 65% 54% 65%
Typical yearly property tax $5,803 $5,301 $6,582 $3,119
Effective property tax rate 2.42% 2.05% 1.55% 0.94%
Renters with high rent for their income 42% 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 Hampton Manor

For a typical $239,400 home in Hampton Manor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hampton Manor's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,281a month

    Least cash to close
    Down payment
    $8,379
    Cash to close
    $15,561
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $2,237a month

    Down payment
    $11,970
    Cash to close
    $19,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,880a month

    Down payment
    $47,880
    Cash to close
    $55,062
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,101a month

    Down payment
    $35,910
    Cash to close
    $43,092
    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 Hampton Manor and for Rensselaer County.

Property tax

Effective rate in Hampton Manor

2.42%of the home’s value each year

$5,803 a year for the typical owner in Hampton Manor.

  • Hampton Manor 2.42%
  • 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 Hampton Manor

Typical rent in Hampton Manor is $1,188 a month: 2% below the county. In Hampton Manor, 42% 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 Hampton Manor

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hampton Manor is in ZIP code 12144.

For 2 bedrooms it is $1,970: $259 more than the fair market rent for Rensselaer County ($1,711).

  • 12144 $1,970$2,350

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

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Hampton Manor

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

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

Housing counselors near Hampton Manor

The HUD-approved agencies closest to the center of Hampton Manor, 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 · 3 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 · 8 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 · 12 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 Hampton Manor

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 Hampton Manor

In HUD’s record, no housing authority with an office in Rensselaer County is named for Hampton Manor 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 Hampton Manor, 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 Hampton Manor.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Hampton Manor

Short answers with the numbers for Hampton Manor 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 Hampton Manor?

The typical home value in Hampton Manor is $239,400, 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 Hampton Manor?

Typical rent in Hampton Manor is $1,188 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 Hampton Manor?

Hampton Manor 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 Hampton Manor?

The typical homeowner in Hampton Manor pays $5,803 a year, according to the U.S. Census Bureau. That is 2.42% of the home’s value; in Rensselaer County, the rate is 2.05%.

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

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).