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City · 10,527 residents · Albany County, New York

Loudonville , New York

In Loudonville, a typical home is worth $391,200 and typical rent is $1,829 a month. Compared with all of Albany County, typical household income is 67% higher, typical rent is 39% higher, and the share of households that own their home is 38 points higher.

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  • Typical home value

    $391,200

    33% above the county

    8% below New York

    • Loudonville
    • Albany
    • New York

  • Typical rent

    $1,829a month

    39% above the county

    13% above New York

    • Loudonville
    • Albany
    • New York

  • Typical household income

    $142,829a year

    67% above the county

    66% above New York

    • Loudonville
    • Albany
    • New York

  • Households that own their home

    95%

    38 points above the county

    41 points above New York

    • Loudonville
    • Albany
    • New York

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

Loudonville is in Albany 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 Albany County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Loudonville apart

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

  1. 95% of households in Loudonville own their home, against 57% in Albany County.

  2. The typical household income in Loudonville is $142,829, 67% more than in Albany County as a whole ($85,333).

  3. Nearby, in Watervliet, the typical home value is $179,700: 54% less than in Loudonville ($391,200).

  4. Nearby, in Watervliet, the typical rent is $1,083: 41% less than in Loudonville ($1,829).

  5. The typical rent in Loudonville is $1,829 a month, 39% more than in Albany County as a whole ($1,313).

  6. The typical home in Loudonville is worth $391,200, 33% more than in Albany County as a whole ($294,600).

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

The homes here

Housing in Loudonville

What homes there are in Loudonville, 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 Loudonville, 9 in 10 homes are single-family detached houses; in Albany County, 5.

Year built

The typical year built in Loudonville is 1964, about the same as in Albany County (1964).

Homes in Loudonville are bigger: 87% have 3 bedrooms or more; in Albany County, 55%.

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

$2,251 a month

Albany County: $1,998 a month

Without a mortgage

$854 a month

Albany County: $765 a month

Owners with a mortgage

60%

Albany County: 60%

The typical cost for an owner with a mortgage in Loudonville is $2,251 a month, more than in Albany County ($1,998); without one, $854.

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 Census does not compare Loudonville with 2015–2019 because its boundaries changed. In Albany County, over that time, the typical home value rose 32%.

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

MeasureLoudonvilleAlbany CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.3%3.8%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room Unreliable estimate1.7%5.3%3.4%
People per household 2.632.212.492.53
Drive alone 71%67%49%69%
Carpool 5%8%6%9%
Public transit Unreliable estimate4%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 20%15%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Loudonville are bigger: 2.63 people on average; in Albany County, 2.21.

In Loudonville, 20% of workers work from home, more than in Albany County (15%).

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 Loudonville?

A typical home is tight for the typical income

We start with a typical home in Loudonville, worth $391,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Loudonville, which is $142,829 a year. For that payment to be 28% of income, a household would need to earn about $146,738 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Loudonville. 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 $13,692 (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

$3,424

at 7.18% · 30 years

Loan amount
$384,114
Total interest
$552,650
Paid off in
November 2056

Includes $6,606 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,333 a month

  • Tight

    $3,333 to $4,285 a month

    Your payment · 29%

  • Hard

    more than $4,285 a month

Compared with the typical household income in Loudonville ($142,829 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,424
Principal & interest$2,602
Property tax$486
Home insurance$163
FHA mortgage insurance (MIP)$173

You need at least $13,692 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

Loudonville and Albany County

Loudonville is in Albany 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).

Loudonville's own numbers

Typical home value
$391,200
Typical monthly rent
$1,829
Typical yearly household income
$142,829
Households that own their home
95%
Effective property tax rate
1.49%

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

Numbers for all of Albany County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,711
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.2%

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 Albany County.

Everything about Albany County

Buying

Buying a home in Loudonville

A typical home in Loudonville is worth $391,200: 33% above the county and 8% below New York. With the typical household income in Loudonville ($142,829 a year), a typical home costs 2.7 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.

  • Loudonville 2.7 years
  • Albany 3.5 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Albany County

According to FHFA’s house price index, home prices in Albany County rose 71% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +5.0% +6.0% +2.9%
5 years (2020–2025) +51% +52% +47%
10 years (2015–2025) +71% +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

Loudonville next to Albany 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
  • Loudonville $391,200
  • Albany $294,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Loudonville $1,829
  • Albany $1,313
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Loudonville $142,829
  • Albany $85,333
  • New York $85,974
  • United States $80,734
See the full table
Loudonville next to Albany County and New York
Measure Loudonville Albany County New York U.S.
Typical home value $391,200 $294,600 $423,800 $332,700
Typical monthly rent $1,829 $1,313 $1,621 $1,413
Typical yearly household income $142,829 $85,333 $85,974 $80,734
Households that own their home 95% 57% 54% 65%
Typical yearly property tax $5,846 $5,200 $6,582 $3,119
Effective property tax rate 1.49% 1.77% 1.55% 0.94%

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

For a typical $391,200 home in Loudonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Loudonville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,424a month

    Least cash to close
    Down payment
    $13,692
    Cash to close
    $25,428
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $173

  • Conventional, 5% down $3,352a month

    Down payment
    $19,560
    Cash to close
    $31,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $186

  • Conventional, 20% down, no PMI $2,769a month

    Down payment
    $78,240
    Cash to close
    $89,976
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,131a month

    Down payment
    $58,680
    Cash to close
    $70,416
    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 Loudonville and for Albany County.

Property tax

Effective rate in Loudonville

1.49%of the home’s value each year

$5,846 a year for the typical owner in Loudonville.

  • Loudonville 1.49%
  • Albany 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 Albany County

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

Homes in the high-risk zone
1.2%
1,121
Of those, with NFIP insurance
34%
County New York U.S.
Homes in the high-risk zone 1.2% 2% 3.5%
Of those, with NFIP insurance 34% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Loudonville

Typical rent in Loudonville is $1,829 a month: 39% above the county.

HUD publishes a fair market rent for all of Albany County, by unit size. To pay the 2-bedroom one ($1,711 a month) without spending more than 30% of your income, you would need to earn $32.90 an hour working full time.

HUD fair market rent for all of Albany 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 $1,238 $23.81 $49,520
1 bedroom $1,425 $27.40 $57,000
2 bedrooms $1,711 $32.90 $68,440
3 bedrooms $2,039 $39.21 $81,560
4 bedrooms $2,249 $43.25 $89,960

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 Loudonville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Loudonville is in ZIP code 12211.

For 2 bedrooms it is $2,320: $609 more than the fair market rent for Albany County ($1,711).

  • 12211 $2,320$2,760

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

Free help

Help to buy or rent in Loudonville

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 Albany 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 Loudonville

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

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

Housing counselors near Loudonville

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

  • Affordable Housing Partnership

    255 Orange St Ste 105, Albany · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 434-1730

  • Troy Rehabilitation and Improvement Program

    415 River St Ste 2, Troy · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 690-0020

  • BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)

    816 Union St, Schenectady · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (518) 372-7616

Every agency in Albany County All counseling agencies in New York

Help in Spanish near Loudonville

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 Loudonville

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

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

Cities

Other cities in Albany County

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

Everything about Albany County Housing in New York

Nearby cities

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

Neighboring counties

If Albany 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 Loudonville.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Loudonville

Short answers with the numbers for Loudonville and all of Albany 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 Loudonville?

The typical home value in Loudonville is $391,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Albany County it is $294,600.

How much does it cost to rent in Loudonville?

Typical rent in Loudonville is $1,829 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Albany County is $1,711.

What is the FHA loan limit in Loudonville?

Loudonville uses the FHA limit for all of Albany 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 Loudonville?

The typical homeowner in Loudonville pays $5,846 a year, according to the U.S. Census Bureau. That is 1.49% of the home’s value; in Albany County, the rate is 1.77%.

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

There are 2 HUD-approved counseling agencies with an office in Albany 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).