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City · 23,911 residents · Ulster County, New York

Kingston , New York

In Kingston, a typical home is worth $315,500 and typical rent is $1,469 a month. Compared with all of Ulster County, typical household income is 21% lower, the typical home value is 10% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $315,500

    10% below the county

    26% below New York

    • Kingston
    • Ulster
    • New York

  • Typical rent

    $1,469a month

    3% above the county

    9% below New York

    • Kingston
    • Ulster
    • New York

  • Typical household income

    $68,186a year

    21% below the county

    21% below New York

    • Kingston
    • Ulster
    • New York

  • Households that own their home

    48%

    21 points below the county

    6 points below New York

    • Kingston
    • Ulster
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$1,862 a month
2.6% more than 12 months ago

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

Kingston is in Ulster 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 Ulster County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kingston apart

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

  1. 48% of households in Kingston own their home, against 70% in Ulster County.

  2. The typical household income in Kingston is $68,186, 21% less than in Ulster County as a whole ($86,271).

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

The homes here

Housing in Kingston

What homes there are in Kingston, 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 Kingston there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); in Ulster County, 68%.

Year built

Old homes abound here: at least half date from before 1940, and 75% were built before 1960.

In Kingston, 30% of homes have 1 bedroom or none (studios); 41% have 3 bedrooms or more, against 58% in Ulster County.

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

HUD's 2-bedroom fair market rent (FMR) for Ulster County is $1,878; about 71% of rents in Kingston are below it.

With a mortgage

$1,943 a month

Ulster County: $2,287 a month

Without a mortgage

$936 a month

Ulster County: $953 a month

Owners with a mortgage

66%

Ulster County: 56%

The typical cost for an owner with a mortgage in Kingston is $1,943 a month, less than in Ulster County ($2,287); without one, $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 Kingston rose 78% since 2015–2019, more than in Ulster County (53%).

Since 2015–2019, the typical rent in Kingston rose 40%, more than in Ulster County (28%).

Housing prices ran ahead of income in Kingston: typical income rose 33%, against +78% for home values and +40% 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

MeasureKingstonUlster CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.9%3.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room 2.3%1.6%5.3%3.4%
People per household 2.292.262.492.53
Drive alone 67%69%49%69%
Carpool 10%7%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike 4%4%6%3%
Work from home 15%18%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Ulster County, 2.3% of households in Kingston have more than one person per room.

By size, households in Kingston look like those in Ulster County: 2.29 people on average.

In Kingston, 10% of workers share a car to get to work; in Ulster County, 7%.

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 Kingston?

A typical home costs more than the typical income allows

We start with a typical home in Kingston, worth $315,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Kingston, which is $68,186 a year. For that payment to be 28% of income, a household would need to earn about $122,738 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kingston. 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 $11,043 (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

$2,864

at 7.18% · 30 years

Loan amount
$309,785
Total interest
$445,708
Paid off in
November 2056

Includes $5,328 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,591 a month

  • Tight

    $1,591 to $2,046 a month

  • Hard

    more than $2,046 a month

    Your payment · 50%

Compared with the typical household income in Kingston ($68,186 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,864
Principal & interest$2,099
Property tax$494
Home insurance$132
FHA mortgage insurance (MIP)$140

You need at least $11,043 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

Kingston and Ulster County

Kingston is in Ulster 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).

Kingston's own numbers

Typical home value
$315,500
Typical monthly rent
$1,469
Typical yearly household income
$68,186
Households that own their home
48%
Effective property tax rate
1.88%

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

Numbers for all of Ulster County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,878
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
3.1%

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 Ulster County.

Everything about Ulster County

Buying

Buying a home in Kingston

A typical home in Kingston is worth $315,500: 10% below the county and 26% below New York. With the typical household income in Kingston ($68,186 a year), a typical home costs 4.6 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.

  • Kingston 4.6 years
  • Ulster 4.1 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ulster County

According to FHFA’s house price index, home prices in Ulster County rose 113% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +3.3% +6.0% +2.9%
5 years (2020–2025) +66% +52% +47%
10 years (2015–2025) +113% +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

Kingston next to Ulster 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
  • Kingston $315,500
  • Ulster $352,500
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Kingston $1,469
  • Ulster $1,425
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Kingston $68,186
  • Ulster $86,271
  • New York $85,974
  • United States $80,734
See the full table
Kingston next to Ulster County and New York
Measure Kingston Ulster County New York U.S.
Typical home value $315,500 $352,500 $423,800 $332,700
Typical monthly rent $1,469 $1,425 $1,621 $1,413
Typical yearly household income $68,186 $86,271 $85,974 $80,734
Households that own their home 48% 70% 54% 65%
Typical yearly property tax $5,935 $6,238 $6,582 $3,119
Effective property tax rate 1.88% 1.77% 1.55% 0.94%
Renters with high rent for their income 59% 57% 52% 51%

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

For a typical $315,500 home in Kingston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingston's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,864a month

    Least cash to close
    Down payment
    $11,043
    Cash to close
    $20,508
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $140

  • Conventional, 5% down $2,806a month

    Down payment
    $15,775
    Cash to close
    $25,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $150

  • Conventional, 20% down, no PMI $2,336a month

    Down payment
    $63,100
    Cash to close
    $72,565
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,627a month

    Down payment
    $47,325
    Cash to close
    $56,790
    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 Kingston and for Ulster County.

Property tax

Effective rate in Kingston

1.88%of the home’s value each year

$5,935 a year for the typical owner in Kingston.

  • Kingston 1.88%
  • Ulster 1.77%
  • 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 Ulster County

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

Homes in the high-risk zone
3.1%
2,197
Of those, with NFIP insurance
26%
County New York U.S.
Homes in the high-risk zone 3.1% 2% 3.5%
Of those, with NFIP insurance 26% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kingston

Typical rent in Kingston is $1,469 a month: 3% above the county. In Kingston, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ulster County, by unit size. To pay the 2-bedroom one ($1,878 a month) without spending more than 30% of your income, you would need to earn $36.12 an hour working full time.

HUD fair market rent for all of Ulster 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 $1,308 $25.15 $52,320
1 bedroom $1,436 $27.62 $57,440
2 bedrooms $1,878 $36.12 $75,120
3 bedrooms $2,282 $43.88 $91,280
4 bedrooms $2,468 $47.46 $98,720

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 Kingston

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingston is in ZIP code 12401.

For 2 bedrooms it is $2,030: $152 more than the fair market rent for Ulster County ($1,878).

  • 12401 $2,030$2,470

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

HUD lists 14 buildings with rents for lower incomes in Kingston. These are the largest.

  • Seven Greens Apartments 120 Lawrenceville St, Kingston 12401 149 homes, 144 low-income · Studio: 1 · 1 bd: 147 · 2 bd: 1 · For older adults
  • Broadway East Town Homes 3 Garraghan Dr, Kingston 12401 122 low-income homes · Studio: 8 · 1 bd: 20 · 2 bd: 74 · 3 bd: 20 · In service since 2006 · For families
  • Ulster Gardens II 3101 Ulster Gardens Ct, Kingston 12401 82 low-income homes · 1 bd: 76 · 2 bd: 5 · 3 bd: 1 · In service since 2016 · For older adults, people with disabilities, families
  • Birchwood Village 174 Flatbush Ave, Kingston 12401 80 low-income homes · 2 bd: 44 · 3 bd: 36 · In service since 2005 · For families
  • Birches at Chambers 3000 Maple LN, Kingston 12401 67 homes, 66 low-income · 1 bd: 52 · 2 bd: 14 · 3 bd: 1 · In service since 2010 · For older adults

See all 38 buildings in Ulster County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kingston

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 are 2 HUD-approved agencies with an office in Ulster County; 2 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Kingston

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

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

Housing counselors near Kingston

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

  • Rupco Inc.

    304 Flatbush Ave, Kingston · 1 miles away · Spanish

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

  • Rupco, Inc.

    304 Flatbush Ave, Kingston · 1 miles away · Spanish

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

  • Hudson River Housing

    313 Mill St, Poughkeepsie · 16 miles away · Spanish

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

Every agency in Ulster County All counseling agencies in New York

Help in Spanish near Kingston

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 Kingston

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

  • Kingston Housing Authority Public housing and Section 8 vouchers (845) 331-1955

2 other authorities have an office in Ulster County: see the list Source: HUD

Cities

Other cities in Ulster County

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

Everything about Ulster County Housing in New York

Nearby cities

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

Neighboring counties

If Ulster 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 Kingston.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Kingston

Short answers with the numbers for Kingston and all of Ulster 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 Kingston?

The typical home value in Kingston is $315,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ulster County it is $352,500.

How much does it cost to rent in Kingston?

Typical rent in Kingston is $1,469 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ulster County is $1,878.

What is the FHA loan limit in Kingston?

Kingston uses the FHA limit for all of Ulster 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 Kingston?

The typical homeowner in Kingston pays $5,935 a year, according to the U.S. Census Bureau. That is 1.88% of the home’s value; in Ulster County, the rate is 1.77%.

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

There are 2 HUD-approved counseling agencies with an office in Ulster County. 2 say they serve 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).