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City · 7,395 residents · Washington County, New York

Hudson Falls , New York

In Hudson Falls, a typical home is worth $165,200 and typical rent is $927 a month. Compared with all of Washington County, the typical home value is 16% lower, typical household income is 14% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $165,200

    16% below the county

    61% below New York

    • Hudson Falls
    • Washington
    • New York

  • Typical rent

    $927a month

    10% below the county

    43% below New York

    • Hudson Falls
    • Washington
    • New York

  • Typical household income

    $62,969a year

    14% below the county

    27% below New York

    • Hudson Falls
    • Washington
    • New York

  • Households that own their home

    62%

    14 points below the county

    8 points above New York

    • Hudson Falls
    • Washington
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$240,277
2% more than 12 months ago

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

Hudson Falls is in Washington 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 Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hudson Falls apart

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

  1. 62% of households in Hudson Falls own their home, against 77% in Washington County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Hudson Falls rose 2%; in New York, it rose 5.6%.

  3. The typical home in Hudson Falls is worth $165,200, 16% less than in Washington County as a whole ($196,200).

  4. 22% of households in Hudson Falls have no internet at home (12% in Washington County).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Hudson Falls

What homes there are in Hudson 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

In Hudson Falls, 6 in 10 homes are single-family detached houses; in Washington County, 8.

Year built

In Hudson Falls, half of the homes were built before 1947; in Washington County, before 1963.

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

$1,445 a month

Washington County: $1,615 a month

Without a mortgage

$585 a month

Washington County: $672 a month

Owners with a mortgage

63%

Washington County: 55%

Owning costs less in Hudson Falls: with a mortgage, the typical cost is $1,445 a month; in Washington County, $1,615. Without one, $585.

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

Much as in Washington County, the typical home value in Hudson Falls rose 34% since 2015–2019.

Since 2015–2019, the typical rent in Hudson Falls did not change clearly, according to the Census.

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

MeasureHudson FallsWashington CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.0%5.3%3.4%
People per household 2.102.362.492.53
Drive alone 82%81%49%69%
Carpool 10%8%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home Unreliable estimate8%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.10 on average, against 2.36 in Washington County.

To get to work, 82% of workers in Hudson Falls drive alone; in Washington County, 81%.

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 Hudson Falls?

A typical home is tight for the typical income

We start with a typical home in Hudson Falls, worth $165,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Hudson Falls, which is $62,969 a year. For that payment to be 28% of income, a household would need to earn about $67,099 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hudson 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 $5,782 (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

$1,566

at 7.18% · 30 years

Loan amount
$162,208
Total interest
$233,379
Paid off in
November 2056

Includes $2,790 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,469 a month

  • Tight

    $1,469 to $1,889 a month

    Your payment · 30%

  • Hard

    more than $1,889 a month

Compared with the typical household income in Hudson Falls ($62,969 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,566
Principal & interest$1,099
Property tax$325
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,782 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

Hudson Falls and Washington County

Hudson Falls is in Washington 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).

Hudson Falls's own numbers

Typical home value
$165,200
Typical monthly rent
$927
Typical yearly household income
$62,969
Households that own their home
62%
Effective property tax rate
2.36%

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

Numbers for all of Washington 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)
+48%

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 Washington County.

Everything about Washington County

Buying

Buying a home in Hudson Falls

A typical home in Hudson Falls is worth $165,200: 16% below the county and 61% below New York. With the typical household income in Hudson Falls ($62,969 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.

  • Hudson Falls 2.6 years
  • Washington 2.7 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 69% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +4.9% +6.0% +2.9%
5 years (2020–2025) +48% +52% +47%
10 years (2015–2025) +69% +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

Hudson Falls next to Washington 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
  • Hudson Falls $165,200
  • Washington $196,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Hudson Falls $927
  • Washington $1,033
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Hudson Falls $62,969
  • Washington $73,495
  • New York $85,974
  • United States $80,734
See the full table
Hudson Falls next to Washington County and New York
Measure Hudson Falls Washington County New York U.S.
Typical home value $165,200 $196,200 $423,800 $332,700
Typical monthly rent $927 $1,033 $1,621 $1,413
Typical yearly household income $62,969 $73,495 $85,974 $80,734
Households that own their home 62% 77% 54% 65%
Typical yearly property tax $3,906 $3,946 $6,582 $3,119
Effective property tax rate 2.36% 2.01% 1.55% 0.94%
Renters with high rent for their income 47% 51% 52% 51%

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

For a typical $165,200 home in Hudson Falls, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hudson Falls's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,566a month

    Least cash to close
    Down payment
    $5,782
    Cash to close
    $10,738
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,535a month

    Down payment
    $8,260
    Cash to close
    $13,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $78

  • Conventional, 20% down, no PMI $1,289a month

    Down payment
    $33,040
    Cash to close
    $37,996
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,442a month

    Down payment
    $24,780
    Cash to close
    $29,736
    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 Hudson Falls and for Washington County.

Property tax

Effective rate in Hudson Falls

2.36%of the home’s value each year

$3,906 a year for the typical owner in Hudson Falls.

  • Hudson Falls 2.36%
  • Washington 2.01%
  • 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 Washington County

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

FEMA’s maps count no homes in the high-risk zone in Washington 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 Hudson Falls

Typical rent in Hudson Falls is $927 a month: 10% below the county. In Hudson Falls, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington 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 Washington 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 Hudson Falls

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hudson Falls is in ZIP code 12839.

For 2 bedrooms it is $1,320: $27 less than the fair market rent for Washington County ($1,347).

  • 12839 $1,320$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 Hudson 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 Hudson Falls

HUD lists 2 buildings with rents for lower incomes in Hudson Falls. These are the largest.

  • Martindale Terrace 42 Martindale Ter, Hudson Falls 12839 41 low-income homes · 1 bd: 10 · 2 bd: 31 · In service since 1999 · For older adults, families
  • Hudson Falls Village 41 Juckett Dr, Hudson Falls 12839 40 low-income homes · 1 bd: 6 · 2 bd: 34 · In service since 1999 · For families

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

Free help

Help to buy or rent in Hudson 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 Washington County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Hudson Falls

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

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

Housing counselors near Hudson Falls

The HUD-approved agencies closest to the center of Hudson 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 · 38 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 · 46 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 Hudson 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 Hudson Falls

HUD lists no housing authority with an office in Washington County. One in a neighboring county or the state’s may serve the area.

All housing agencies in New York Source: HUD

Cities

Nearby cities

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

Everything about Washington County Housing in New York

Neighboring counties

If Washington 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 Hudson Falls.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Hudson Falls

Short answers with the numbers for Hudson Falls and all of Washington 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 Hudson Falls?

The typical home value in Hudson Falls is $165,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $196,200.

How much does it cost to rent in Hudson Falls?

Typical rent in Hudson Falls is $927 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,347.

What is the FHA loan limit in Hudson Falls?

Hudson Falls uses the FHA limit for all of Washington 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 Hudson Falls?

The typical homeowner in Hudson Falls pays $3,906 a year, according to the U.S. Census Bureau. That is 2.36% of the home’s value; in Washington County, the rate is 2.01%.

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

We found no HUD-approved counseling agencies with an office in Washington 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).