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City · 38,916 residents · Orange County, New York

Kiryas Joel , New York

In Kiryas Joel, a typical home is worth $758,800 and typical rent is $1,604 a month. Compared with all of Orange County, the typical home value is 96% higher, typical household income is 49% lower, and the share of households that own their home is 34 points lower.

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  • Typical home value

    $758,800

    96% above the county

    79% above New York

    • Kiryas Joel
    • Orange
    • New York

  • Typical rent

    $1,604a month

    5% below the county

    About the same as New York

    • Kiryas Joel
    • Orange
    • New York

  • Typical household income

    $50,032a year

    49% below the county

    42% below New York

    • Kiryas Joel
    • Orange
    • New York

  • Households that own their home

    33%

    34 points below the county

    21 points below New York

    • Kiryas Joel
    • Orange
    • New York

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

Kiryas Joel is in Orange 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 Orange County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kiryas Joel apart

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

  1. 33% of households in Kiryas Joel own their home, against 68% in Orange County.

  2. 76% of households in Kiryas Joel have no internet at home (9% in Orange County).

  3. The typical home in Kiryas Joel is worth $758,800, 96% more than in Orange County as a whole ($387,900).

  4. Nearby, in Washingtonville, the typical home value is $355,700: 53% less than in Kiryas Joel ($758,800).

  5. The typical household income in Kiryas Joel is $50,032, 49% less than in Orange County as a whole ($97,178).

  6. Nearby, in Washingtonville, the typical rent is $1,351: 16% less than in Kiryas Joel ($1,604).

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

The homes here

Housing in Kiryas Joel

What homes there are in Kiryas Joel, 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

There are more apartments in Kiryas Joel than in Orange County: 87% of homes, against 18%.

Year built

Homes in Kiryas Joel are newer: the typical year built is 2006; in Orange County, 1975.

There is more room for a big family here: 72% of homes have 3 bedrooms or more, against 65% in Orange 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

With a mortgage

$2,616 a month

Orange County: $2,664 a month

Without a mortgage

$1,075 a month

Orange County: $1,140 a month

Owners with a mortgage

90%

Orange County: 67%

Owning costs about the same in Kiryas Joel as in Orange County: with a mortgage, $2,616 a month; without one, $1,075.

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

Since 2015–2019, homes in Kiryas Joel gained value faster than in Orange County: 47% against 43%.

Rents in Kiryas Joel rose at about the same pace as in Orange County: 31% since 2015–2019, against 33%.

Income in Kiryas Joel grew faster than housing: it rose 60%, while home values changed +47% and rent +31%.

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

MeasureKiryas JoelOrange CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.8%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room 25.7%3.7%5.3%3.4%
People per household 5.082.842.492.53
Drive alone 35%67%49%69%
Carpool 13%10%6%9%
Public transit 10%5%22%3%
Walk or bike 25%4%6%3%
Work from home 14%13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Kiryas Joel: 25.7% have more than one person per room; in Orange County, 3.7%.

On average, a household in Kiryas Joel has 5.08 people, more than in Orange County (2.84).

Many here get to work on foot or by bike: 25%, more than in Orange County (4%).

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 Kiryas Joel?

A typical home costs more than the typical income allows

We start with a typical home in Kiryas Joel, worth $758,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 144% of the typical household income in Kiryas Joel, which is $50,032 a year. For that payment to be 28% of income, a household would need to earn about $257,253 a year. Note: at that price the loan is above the FHA limit for Orange County ($541,287), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Kiryas Joel. 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 $26,558 (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

$6,003

at 7.18% · 30 years

Loan amount
$745,056
Total interest
$1,071,961
Paid off in
November 2056

Includes $12,814 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,167 a month

  • Tight

    $1,167 to $1,501 a month

  • Hard

    more than $1,501 a month

    Your payment · 144%

Compared with the typical household income in Kiryas Joel ($50,032 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,003
Principal & interest$5,047
Property tax$304
Home insurance$316
FHA mortgage insurance (MIP)$336

This loan is over the FHA limit

You'd borrow $732,242, but the FHA limit for a one-unit home in Kiryas Joel is $541,287. You'd need a bigger down payment or a different loan.

You need at least $26,558 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

Kiryas Joel and Orange County

Kiryas Joel is in Orange 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).

Kiryas Joel's own numbers

Typical home value
$758,800
Typical monthly rent
$1,604
Typical yearly household income
$50,032
Households that own their home
33%
Effective property tax rate
0.48%

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

Numbers for all of Orange County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,131
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.8%

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 Orange County.

Everything about Orange County

Buying

Buying a home in Kiryas Joel

A typical home in Kiryas Joel is worth $758,800: 96% above the county and 79% above New York. With the typical household income in Kiryas Joel ($50,032 a year), a typical home costs 15.2 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.

  • Kiryas Joel 15.2 years
  • Orange 4.0 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Orange County

According to FHFA’s house price index, home prices in Orange County rose 101% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +6.2% +6.0% +2.9%
5 years (2020–2025) +62% +52% +47%
10 years (2015–2025) +101% +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

Kiryas Joel next to Orange 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
  • Kiryas Joel $758,800
  • Orange $387,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Kiryas Joel $1,604
  • Orange $1,680
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Kiryas Joel $50,032
  • Orange $97,178
  • New York $85,974
  • United States $80,734
See the full table
Kiryas Joel next to Orange County and New York
Measure Kiryas Joel Orange County New York U.S.
Typical home value $758,800 $387,900 $423,800 $332,700
Typical monthly rent $1,604 $1,680 $1,621 $1,413
Typical yearly household income $50,032 $97,178 $85,974 $80,734
Households that own their home 33% 68% 54% 65%
Typical yearly property tax $3,663 $8,494 $6,582 $3,119
Effective property tax rate 0.48% 2.19% 1.55% 0.94%
Renters with high rent for their income 75% 57% 52% 51%

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

For a typical $758,800 home in Kiryas Joel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kiryas Joel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,003a month

    Above the FHA limit for Orange County ($541,287)
    Down payment
    $26,558
    Cash to close
    $49,322
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $336

  • Conventional, 5% down $5,863a month

    Least cash to close
    Down payment
    $37,940
    Cash to close
    $60,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $360

  • Conventional, 20% down, no PMI $4,732a month

    Down payment
    $151,760
    Cash to close
    $174,524
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,434a month

    Down payment
    $113,820
    Cash to close
    $136,584
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Kiryas Joel and for Orange County.

Property tax

Effective rate in Kiryas Joel

0.48%of the home’s value each year

$3,663 a year for the typical owner in Kiryas Joel.

  • Kiryas Joel 0.48%
  • Orange 2.19%
  • 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 Orange County

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

Homes in the high-risk zone
1.8%
2,115
Of those, with NFIP insurance
31%
County New York U.S.
Homes in the high-risk zone 1.8% 2% 3.5%
Of those, with NFIP insurance 31% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kiryas Joel

Typical rent in Kiryas Joel is $1,604 a month: 5% below the county. In Kiryas Joel, 75% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($2,131 a month) without spending more than 30% of your income, you would need to earn $40.98 an hour working full time.

HUD fair market rent for all of Orange 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 $1,484 $28.54 $59,360
1 bedroom $1,659 $31.90 $66,360
2 bedrooms $2,131 $40.98 $85,240
3 bedrooms $2,685 $51.63 $107,400
4 bedrooms $2,824 $54.31 $112,960

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 Kiryas Joel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kiryas Joel is in ZIP code 10950.

For 2 bedrooms it is $2,260: $129 more than the fair market rent for Orange County ($2,131).

  • 10950 $2,260$2,850

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

HUD lists 3 buildings with rents for lower incomes in Kiryas Joel. These are the largest.

  • Atzei Timurim 1 Nicklesburg Rd, Kiryas Joel 10950 48 low-income homes · 3 bd: 12 · 4 bd: 36 · In service since 2001 · For families
  • Kiryas Joel Heights 24 Israel Zupnick Dr, Kiryas Joel 10950 20 low-income homes · 2 bd: 20 · In service since 1997 · For people with disabilities, families
  • Kiryas Joel Gardens 28 Israel Zupnick Dr, Kiryas Joel 10950 18 low-income homes · 3 bd: 18 · In service since 1997 · For families

See all 86 buildings in Orange County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kiryas Joel

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 Orange County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Kiryas Joel

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

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

Housing counselors near Kiryas Joel

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

  • Pathstone Corporation- Newburgh, NY

    1 Corwin Ct Ste 201, Newburgh · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (845) 569-0770

  • The Preservation Company

    1037 Main St, Peekskill · 13 miles away · Spanish

    • Rental counseling
    (914) 595-2692

  • Rupco Inc.

    3 North St, Walden · 16 miles away · Spanish

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

Every agency in Orange County All counseling agencies in New York

Help in Spanish near Kiryas Joel

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 Kiryas Joel

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

  • Village of Kiryas Joel HA Public housing and Section 8 vouchers (845) 782-7790

3 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

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

Everything about Orange County Housing in New York
See 3 more cities in Orange County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Kiryas Joel, with the typical home value.

Neighboring counties

If Orange 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 Kiryas Joel.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Kiryas Joel

Short answers with the numbers for Kiryas Joel and all of Orange 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 Kiryas Joel?

The typical home value in Kiryas Joel is $758,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $387,900.

How much does it cost to rent in Kiryas Joel?

Typical rent in Kiryas Joel is $1,604 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $2,131.

What is the FHA loan limit in Kiryas Joel?

Kiryas Joel uses the FHA limit for all of Orange 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 Kiryas Joel?

The typical homeowner in Kiryas Joel pays $3,663 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Orange County, the rate is 2.19%.

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

There are 2 HUD-approved counseling agencies with an office in Orange County. 1 says it serves 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).