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City · 5,142 residents · Sullivan County, New York

Liberty , New York

In Liberty, a typical home is worth $181,900 and typical rent is $889 a month. Compared with all of Sullivan County, the typical home value is 27% lower, typical rent is 20% lower, and the share of households that own their home is 31 points lower.

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  • Typical home value

    $181,900

    27% below the county

    57% below New York

    • Liberty
    • Sullivan
    • New York

  • Typical rent

    $889a month

    20% below the county

    45% below New York

    • Liberty
    • Sullivan
    • New York

  • Typical household income

    $64,913a year

    10% below the county

    24% below New York

    • Liberty
    • Sullivan
    • New York

  • Households that own their home

    37%

    31 points below the county

    18 points below New York

    • Liberty
    • Sullivan
    • New York

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

Liberty is in Sullivan 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 Sullivan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Liberty apart

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

  1. 37% of households in Liberty own their home, against 67% in Sullivan County.

  2. The typical home in Liberty is worth $181,900, 27% less than in Sullivan County as a whole ($249,000).

  3. The typical rent in Liberty is $889 a month, 20% less than in Sullivan County as a whole ($1,106).

  4. Liberty has the 22nd smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (38%).

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

The homes here

Housing in Liberty

What homes there are in Liberty, 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

Homes in Liberty are varied: detached houses are the largest group, at 39%, against 70% in Sullivan County.

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

$1,908 a month

Sullivan County: $1,945 a month

Without a mortgage

$887 a month

Sullivan County: $847 a month

Owners with a mortgage

62%

Sullivan County: 46%

In Liberty, 62% of owners have a mortgage; their typical cost is $1,908 a month, about the same as in Sullivan County.

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

From 2015–2019 to 2020–2024, the typical home value in Liberty rose 103%; in Sullivan County, it rose 44%.

The typical rent in Liberty stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureLibertySullivan CountyNew YorkUnited States
Rental vacancy Unreliable estimate5.3%3.8%5.5%
Homeowner vacancy Unreliable estimate1.7%1.1%0.9%
More than one person per room 17.7%4.8%5.3%3.4%
People per household 3.022.392.492.53
Drive alone 67%72%49%69%
Carpool 21%9%6%9%
Public transit Unreliable estimate1%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home Unreliable estimate13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Liberty: 17.7% have more than one person per room; in Sullivan County, 4.8%.

Households in Liberty are bigger: 3.02 people on average; in Sullivan County, 2.39.

In Liberty, 21% of workers share a car to get to work; in Sullivan County, 9%.

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 Liberty?

A typical home is tight for the typical income

We start with a typical home in Liberty, worth $181,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Liberty, which is $64,913 a year. For that payment to be 28% of income, a household would need to earn about $78,625 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Liberty. 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 $6,367 (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

$1,835

at 7.18% · 30 years

Loan amount
$178,605
Total interest
$256,970
Paid off in
November 2056

Includes $3,072 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,515 a month

  • Tight

    $1,515 to $1,947 a month

    Your payment · 34%

  • Hard

    more than $1,947 a month

Compared with the typical household income in Liberty ($64,913 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,835
Principal & interest$1,210
Property tax$468
Home insurance$76
FHA mortgage insurance (MIP)$80

You need at least $6,367 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

Liberty and Sullivan County

Liberty is in Sullivan 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).

Liberty's own numbers

Typical home value
$181,900
Typical monthly rent
$889
Typical yearly household income
$64,913
Households that own their home
37%
Effective property tax rate
3.09%

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

Numbers for all of Sullivan County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,299
Price change over 5 years (FHFA)
+78%
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 Sullivan County.

Everything about Sullivan County

Buying

Buying a home in Liberty

A typical home in Liberty is worth $181,900: 27% below the county and 57% below New York. With the typical household income in Liberty ($64,913 a year), a typical home costs 2.8 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.

  • Liberty 2.8 years
  • Sullivan 3.4 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sullivan County

According to FHFA’s house price index, home prices in Sullivan County rose 120% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +2.3% +6.0% +2.9%
5 years (2020–2025) +78% +52% +47%
10 years (2015–2025) +120% +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

Liberty next to Sullivan 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
  • Liberty $181,900
  • Sullivan $249,000
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Liberty $889
  • Sullivan $1,106
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Liberty $64,913
  • Sullivan $72,382
  • New York $85,974
  • United States $80,734
See the full table
Liberty next to Sullivan County and New York
Measure Liberty Sullivan County New York U.S.
Typical home value $181,900 $249,000 $423,800 $332,700
Typical monthly rent $889 $1,106 $1,621 $1,413
Typical yearly household income $64,913 $72,382 $85,974 $80,734
Households that own their home 37% 67% 54% 65%
Typical yearly property tax $5,625 $4,969 $6,582 $3,119
Effective property tax rate 3.09% 2% 1.55% 0.94%
Renters with high rent for their income 38% 48% 52% 51%

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

For a typical $181,900 home in Liberty, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Liberty's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,835a month

    Least cash to close
    Down payment
    $6,367
    Cash to close
    $11,824
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $80

  • Conventional, 5% down $1,801a month

    Down payment
    $9,095
    Cash to close
    $14,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $86

  • Conventional, 20% down, no PMI $1,530a month

    Down payment
    $36,380
    Cash to close
    $41,837
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,698a month

    Down payment
    $27,285
    Cash to close
    $32,742
    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 Liberty and for Sullivan County.

Property tax

Effective rate in Liberty

3.09%of the home’s value each year

$5,625 a year for the typical owner in Liberty.

  • Liberty 3.09%
  • Sullivan 2%
  • 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 Sullivan County

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

Homes in the high-risk zone
3.1%
1,479
Of those, with NFIP insurance
13%
County New York U.S.
Homes in the high-risk zone 3.1% 2% 3.5%
Of those, with NFIP insurance 13% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Liberty

Typical rent in Liberty is $889 a month: 20% below the county. In Liberty, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sullivan County, by unit size. To pay the 2-bedroom one ($1,299 a month) without spending more than 30% of your income, you would need to earn $24.98 an hour working full time.

HUD fair market rent for all of Sullivan 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 $1,005 $19.33 $40,200
1 bedroom $1,039 $19.98 $41,560
2 bedrooms $1,299 $24.98 $51,960
3 bedrooms $1,799 $34.60 $71,960
4 bedrooms $1,824 $35.08 $72,960

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 Liberty

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Liberty is in ZIP code 12754.

For 2 bedrooms it is $1,370: $71 more than the fair market rent for Sullivan County ($1,299).

  • 12754 $1,370$1,730

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

HUD lists 5 buildings with rents for lower incomes in Liberty. These are the largest.

  • Golden Park Apartments 99 Route 52 E, Liberty 12754 126 homes, 110 low-income · For older adults
  • Liberty Commons 56 Liberty Commons Way, Liberty 12754 74 homes, 73 low-income · 1 bd: 24 · 2 bd: 13 · 3 bd: 37 · In service since 2010 · For older adults
  • Chestnut Street Apartments 196 Chestnut St, Liberty 12754 73 low-income homes · 1 bd: 64 · 2 bd: 9 · In service since 2020 · For people experiencing homelessness
  • Barkley Gardens 280 N Main St, Liberty 12754 51 homes, 50 low-income · For older adults
  • Liberty Village Apts 160 Lake St, Liberty 12754 32 low-income homes · 1 bd: 32 · In service since 1997 · For older adults

See all 34 buildings in Sullivan County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Liberty

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 Sullivan County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Liberty

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

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

Housing counselors near Liberty

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

  • Delaware Opportunities, Incorporated

    35430 State Highway 10, Hamden · 30 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (607) 746-1600

  • Rupco Inc.

    3 North St, Walden · 32 miles away · Spanish

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

  • Rupco Inc.

    304 Flatbush Ave, Kingston · 40 miles away · Spanish

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

All counseling agencies in New York

Help in Spanish near Liberty

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 Liberty

In HUD’s record, no housing authority with an office in Sullivan County is named for Liberty or Sullivan County.

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

Cities

Other cities in Sullivan County

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

Everything about Sullivan County Housing in New York

Nearby cities

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

Neighboring counties

If Sullivan 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 Liberty.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Liberty

Short answers with the numbers for Liberty and all of Sullivan 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 Liberty?

The typical home value in Liberty is $181,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sullivan County it is $249,000.

How much does it cost to rent in Liberty?

Typical rent in Liberty is $889 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sullivan County is $1,299.

What is the FHA loan limit in Liberty?

Liberty uses the FHA limit for all of Sullivan 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 Liberty?

The typical homeowner in Liberty pays $5,625 a year, according to the U.S. Census Bureau. That is 3.09% of the home’s value; in Sullivan County, the rate is 2%.

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

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