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City · 5,865 residents · Columbia County, New York

Hudson , New York

In Hudson, a typical home is worth $389,900 and typical rent is $1,343 a month. Compared with all of Columbia County, typical household income is 34% lower, the typical home value is 12% higher, and the share of households that own their home is 31 points lower.

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  • Typical home value

    $389,900

    12% above the county

    8% below New York

    • Hudson
    • Columbia
    • New York

  • Typical rent

    $1,343a month

    7% above the county

    17% below New York

    • Hudson
    • Columbia
    • New York

  • Typical household income

    $54,139a year

    34% below the county

    37% below New York

    • Hudson
    • Columbia
    • New York

  • Households that own their home

    45%

    31 points below the county

    9 points below New York

    • Hudson
    • Columbia
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$459,987
5.1% more than 12 months ago
Typical rent
$2,589 a month
8.7% more than 12 months ago

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

Hudson is in Columbia 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 Columbia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hudson apart

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

  1. 45% of households in Hudson own their home, against 76% in Columbia County.

  2. Nearby, in Rensselaer, the typical home value is $208,900: 46% less than in Hudson ($389,900).

  3. The typical household income in Hudson is $54,139, 34% less than in Columbia County as a whole ($81,528).

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

The homes here

Housing in Hudson

What homes there are in Hudson, 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 there is a bit of everything: no kind of home reaches half. The most common are buildings of 2 to 4 homes (36%), more than in Columbia County (10%).

Year built

The typical home in Hudson was built before 1940, the oldest group the Census tells apart; 66% of homes date from before 1960.

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

$2,299 a month

Columbia County: $1,968 a month

Without a mortgage

$792 a month

Columbia County: $792 a month

Owners with a mortgage

62%

Columbia County: 53%

Owning costs more in Hudson: with a mortgage, the typical cost is $2,299 a month; in Columbia County, $1,968. Without one, $792.

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 Hudson rose 77% since 2015–2019, more than in Columbia County (49%).

Since 2015–2019, the typical rent in Hudson rose 68%, more than in Columbia County (36%).

Housing prices ran ahead of income in Hudson: typical income rose 38%, against +77% for home values and +68% for rent.

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

MeasureHudsonColumbia CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimate1.7%1.1%0.9%
More than one person per room Unreliable estimate1.4%5.3%3.4%
People per household 1.912.212.492.53
Drive alone 49%67%49%69%
Carpool Unreliable estimate7%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 27%17%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.91 on average, against 2.21 in Columbia County.

In Hudson, 27% of workers work from home, more than in Columbia County (17%).

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?

A typical home costs more than the typical income allows

We start with a typical home in Hudson, worth $389,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 76% of the typical household income in Hudson, which is $54,139 a year. For that payment to be 28% of income, a household would need to earn about $146,529 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hudson. 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 $13,647 (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

$3,419

at 7.18% · 30 years

Loan amount
$382,837
Total interest
$550,813
Paid off in
November 2056

Includes $6,584 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,263 a month

  • Tight

    $1,263 to $1,624 a month

  • Hard

    more than $1,624 a month

    Your payment · 76%

Compared with the typical household income in Hudson ($54,139 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,419
Principal & interest$2,593
Property tax$491
Home insurance$163
FHA mortgage insurance (MIP)$172

You need at least $13,647 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 and Columbia County

Hudson is in Columbia 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's own numbers

Typical home value
$389,900
Typical monthly rent
$1,343
Typical yearly household income
$54,139
Households that own their home
45%
Effective property tax rate
1.51%

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

Numbers for all of Columbia County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,503
Price change over 5 years (FHFA)
+61%

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 Columbia County.

Everything about Columbia County

Buying

Buying a home in Hudson

A typical home in Hudson is worth $389,900: 12% above the county and 8% below New York. With the typical household income in Hudson ($54,139 a year), a typical home costs 7.2 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.

  • Hudson 7.2 years
  • Columbia 4.3 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Columbia County

According to FHFA’s house price index, home prices in Columbia County rose 103% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +6.4% +6.0% +2.9%
5 years (2020–2025) +61% +52% +47%
10 years (2015–2025) +103% +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 next to Columbia 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 $389,900
  • Columbia $347,100
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Hudson $1,343
  • Columbia $1,260
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Hudson $54,139
  • Columbia $81,528
  • New York $85,974
  • United States $80,734
See the full table
Hudson next to Columbia County and New York
Measure Hudson Columbia County New York U.S.
Typical home value $389,900 $347,100 $423,800 $332,700
Typical monthly rent $1,343 $1,260 $1,621 $1,413
Typical yearly household income $54,139 $81,528 $85,974 $80,734
Households that own their home 45% 76% 54% 65%
Typical yearly property tax $5,877 $4,852 $6,582 $3,119
Effective property tax rate 1.51% 1.4% 1.55% 0.94%
Renters with high rent for their income 70% 57% 52% 51%

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

For a typical $389,900 home in Hudson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hudson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,419a month

    Least cash to close
    Down payment
    $13,647
    Cash to close
    $25,344
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $172

  • Conventional, 5% down $3,348a month

    Down payment
    $19,495
    Cash to close
    $31,192
    Rate
    7.18%
    Mortgage insurance
    PMI · $185

  • Conventional, 20% down, no PMI $2,766a month

    Down payment
    $77,980
    Cash to close
    $89,677
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,127a month

    Down payment
    $58,485
    Cash to close
    $70,182
    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 and for Columbia County.

Property tax

Effective rate in Hudson

1.51%of the home’s value each year

$5,877 a year for the typical owner in Hudson.

  • Hudson 1.51%
  • Columbia 1.4%
  • 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 Columbia County

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

FEMA’s maps count no homes in the high-risk zone in Columbia 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

Typical rent in Hudson is $1,343 a month: 7% above the county. In Hudson, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Columbia County, by unit size. To pay the 2-bedroom one ($1,503 a month) without spending more than 30% of your income, you would need to earn $28.90 an hour working full time.

HUD fair market rent for all of Columbia 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 $1,259 $24.21 $50,360
1 bedroom $1,300 $25.00 $52,000
2 bedrooms $1,503 $28.90 $60,120
3 bedrooms $1,837 $35.33 $73,480
4 bedrooms $1,975 $37.98 $79,000

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

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hudson is in ZIP code 12534.

For 2 bedrooms it is $1,680: $177 more than the fair market rent for Columbia County ($1,503).

  • 12534 $1,680$2,050

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 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

HUD lists 8 buildings with rents for lower incomes in Hudson. These are the largest.

  • Hudson / Half Moon Terrace Apts 15 N Front St, Hudson 12534 168 low-income homes · 1 bd: 44 · 2 bd: 84 · 3 bd: 40 · In service since 2010 · For families (518) 828-0600
  • Providence Hall 119 Columbia St, Hudson 12534 101 homes, 100 low-income · For older adults (518) 828-4700
  • Crosswinds at Hudson 100 Harry Howard Ave, Hudson 12534 70 low-income homes · 1 bd: 18 · 2 bd: 34 · 3 bd: 18 · In service since 2008 · For people with disabilities, families
  • Schuyler Court Apts 20 Columbia St, Hudson 12534 51 homes, 50 low-income · For older adults (518) 828-4700
  • Greenport Manor 200 Town Hall Dr, Hudson 12534 40 homes, 39 low-income · For older adults (518) 828-6488

See all 15 buildings in Columbia County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hudson

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 Columbia 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 Hudson

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

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

Housing counselors near Hudson

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

  • Galvan Housing Resources, Inc.

    64 Green St, Hudson · 0 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 2 more
    (518) 822-0707

  • Rupco Inc.

    304 Flatbush Ave, Kingston · 24 miles away · Spanish

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

  • Rupco, Inc.

    304 Flatbush Ave, Kingston · 24 miles away · Spanish

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

Every agency in Columbia County All counseling agencies in New York

Help in Spanish near Hudson

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

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

  • Hudson Housing Authority Public housing and Section 8 vouchers (518) 828-5415

All housing agencies in New York Source: HUD

Cities

Nearby cities

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

Everything about Columbia County Housing in New York

Neighboring counties

If Columbia 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.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Hudson

Short answers with the numbers for Hudson and all of Columbia 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?

The typical home value in Hudson is $389,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Columbia County it is $347,100.

How much does it cost to rent in Hudson?

Typical rent in Hudson is $1,343 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Columbia County is $1,503.

What is the FHA loan limit in Hudson?

Hudson uses the FHA limit for all of Columbia 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?

The typical homeowner in Hudson pays $5,877 a year, according to the U.S. Census Bureau. That is 1.51% of the home’s value; in Columbia County, the rate is 1.4%.

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

There is 1 HUD-approved counseling agency with an office in Columbia 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).