In Mechanicstown, a typical home is worth $344,200 and typical rent is $1,687 a month. Compared with all of Orange County, typical household income is 16% lower, the typical home value is 11% lower, and the share of households that own their home is 16 points lower.
Mechanicstown 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
What this place has that others do not, from public data, most unusual first.
1
52% of households in Mechanicstown own their home, against 68% in Orange County.
2
Nearby, in Washingtonville, the typical rent is $1,351: 20% less than in Mechanicstown ($1,687).
3
The typical household income in Mechanicstown is $81,250,16% less than in Orange County as a whole ($97,178).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mechanicstown
What homes there are in Mechanicstown, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Mechanicstown
Orange County
New York
United States
Kind of home: Mechanicstown and its comparisons
Measure
Mechanicstown
Orange County
New York
United States
Detached house
35%
61%
41%
61%
Attached house
22%
8%
6%
6%
Building of 2 to 4
Unreliable estimate
12%
17%
8%
Apartments (5 or more)
39%
18%
35%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Many people here live in apartments: 4 in 10 homes; in Orange County, 2.
Year built
Before 19601960–19791980–19992000–20092010 or later
Mechanicstown
Orange County
New York
United States
Year built: Mechanicstown and its comparisons
Measure
Mechanicstown
Orange County
New York
United States
Before 1960
21%
35%
52%
26%
1960–1979
23%
21%
22%
24%
1980–1999
18%
23%
14%
25%
2000–2009
17%
12%
6%
14%
2010 or later
21%
9%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K56%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mechanicstown and its comparisons
Measure
Mechanicstown
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
56%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49925%
$1,500–$1,99922%
$2,000–$2,49927%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mechanicstown and its comparisons
Measure
Mechanicstown
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
25%
$1,500–$1,999
22%
$2,000–$2,499
27%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,182 a month
Orange County: $2,664 a month
Without a mortgage
$791 a month
Orange County: $1,140 a month
Owners with a mortgage
67%
Orange County: 67%
In Mechanicstown, 67% of owners have a mortgage, and their typical cost is $2,182 a month, against $2,664 in Orange County. Without one it drops to $791.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mechanicstown+64%
Orange County+43%
New York+35%
United States+53%
Typical rent
Mechanicstown+32%
Orange County+33%
New York+27%
United States+33%
Typical household income
Mechanicstown+51%
Orange County+22%
New York+26%
United States+29%
Change since 2015–2019: Mechanicstown and its comparisons
Measure
Mechanicstown
Orange County
New York
United States
Typical home value
+64%
+43%
+35%
+53%
Typical rent
+32%
+33%
+27%
+33%
Typical household income
+51%
+22%
+26%
+29%
Since 2015–2019, homes in Mechanicstown gained value faster than in Orange County: 64% against 43%.
Much as in Orange County, the typical rent in Mechanicstown rose 32% since 2015–2019.
While home values in Mechanicstown changed +64% and rent +32%, the typical household income rose 51%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mechanicstown and its comparisons
Measure
Mechanicstown
Orange County
New York
United States
Rental vacancy
Unreliable estimate
3.8%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.7%
5.3%
3.4%
People per household
2.41
2.84
2.49
2.53
Drive alone
58%
67%
49%
69%
Carpool
22%
10%
6%
9%
Public transit
Unreliable estimate
5%
22%
3%
Walk or bike
Unreliable estimate
4%
6%
3%
Work from home
9%
13%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.41 on average, against 2.84 in Orange County.
More people carpool to work in Mechanicstown than in Orange County: 22% against 10%.
Do the math
What would you pay each month for a home in Mechanicstown?
A typical home costs more than the typical income allows
We start with a typical home in Mechanicstown, worth $344,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Mechanicstown, which is $81,250 a year. For that payment to be 28% of income, a household would need to earn about $131,321 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Mechanicstown. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,047 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,064
at 7.18% · 30 years
Loan amount
$337,966
Total interest
$486,253
Paid off in
November 2056
Includes $5,813 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,896 a month
Tight
$1,896 to $2,438 a month
Hard
more than $2,438 a month
Your payment · 45%
Compared with the typical household income in Mechanicstown ($81,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,289
Property tax
$479
Home insurance
$143
FHA mortgage insurance (MIP)
$152
You need at least $12,047 for the down payment, plus closing costs.
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.
Total monthly payment $3,064; principal and interest $2,289.
The city and its county
Mechanicstown and Orange County
Mechanicstown 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).
Mechanicstown
Map of Orange County, New York, with Mechanicstown marked. Around it, the neighboring counties.
Mechanicstown
Orange County
Other cities with a page
Mechanicstown's own numbers
Typical home value
$344,200
Typical monthly rent
$1,687
Typical yearly household income
$81,250
Households that own their home
52%
Effective property tax rate
1.67%
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.
A typical home in Mechanicstown is worth $344,200: 11% below the county and 19% below New York. With the typical household income in Mechanicstown ($81,250 a year), a typical home costs 4.2 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.
Mechanicstown4.2 years
Orange4.0 years
New York4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +0.8% +0.8% 2016
2017: +4.0% +4.0% 2017
2018: +7.1% +7.1% 2018
2019: +5.4% +5.4% 2019
2020: +4.9% +4.9% 2020
2021: +14.4% +14.4% 2021
2022: +16.7% +16.7% 2022
2023: +8.1% +8.1% 2023
2024: +5.7% +5.7% 2024
2025: +6.2% +6.2% 2025
Change in FHFA’s price index in Orange County, New York and the United States
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
Mechanicstown 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
Mechanicstown$344,200
Orange$387,900
New York$423,800
United States$332,700
Typical monthly rent
Mechanicstown$1,687
Orange$1,680
New York$1,621
United States$1,413
Typical yearly household income
Mechanicstown$81,250
Orange$97,178
New York$85,974
United States$80,734
See the full table
Mechanicstown next to Orange County and New York
Measure
Mechanicstown
Orange County
New York
U.S.
Typical home value
$344,200 ▼11% below the county
$387,900
$423,800
$332,700
Typical monthly rent
$1,687
$1,680
$1,621
$1,413
Typical yearly household income
$81,250 ▼16% below the county
$97,178
$85,974
$80,734
Households that own their home
52% ▼16 points below the county
68%
54%
65%
Typical yearly property tax
$5,756 ▼32% below the county
$8,494
$6,582
$3,119
Effective property tax rate
1.67% ▼0.52 points below the county
2.19%
1.55%
0.94%
Renters with high rent for their income
61% ▲4 points above the county
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 Mechanicstown
For a typical $344,200 home in Mechanicstown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mechanicstown's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,064a month
Least cash to close
Down payment
$12,047
Cash to close
$22,373
Rate
7.18%
Mortgage insurance
FHA MIP · $152
Conventional, 5% down$3,001a month
Down payment
$17,210
Cash to close
$27,536
Rate
7.18%
Mortgage insurance
PMI · $163
Conventional, 20% down, no PMI$2,488a month
Down payment
$68,840
Cash to close
$79,166
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,806a month
Down payment
$51,630
Cash to close
$61,956
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mechanicstown
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,064
$12,047
$337,966
7.18%
FHA MIP · $152
$22,373
580
Conventional, 5% down
$3,001
$17,210
$326,990
7.18%
PMI · $163
$27,536
620*
Conventional, 20% down, no PMI
$2,488
$68,840
$275,360
7.18%
None
$79,166
620*
ITIN, 15% down (example)
$2,806
$51,630
$292,570
8.18%
None
$61,956
Set by the lender
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.
Typical rent in Mechanicstown is $1,687 a month: about the same as the county. In Mechanicstown, 61% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
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 Mechanicstown
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mechanicstown is in ZIP code 10940.
For 2 bedrooms it is $2,160: $29 more than the fair market rent for Orange County ($2,131).
Fair market rent by ZIP code and size in Mechanicstown, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
10940
$1,500
$1,680
$2,160
$2,720
$2,860
ZIP code2 bd3 bd
10940 $2,160$2,720
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mechanicstown 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Mechanicstown or Orange County. The ones below are statewide in New York: they work in Mechanicstown the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
The HUD-approved agencies closest to the center of Mechanicstown, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Mechanicstown or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Mechanicstown 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 Mechanicstown?
The typical home value in Mechanicstown is $344,200, 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 Mechanicstown?
Typical rent in Mechanicstown is $1,687 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 Mechanicstown?
Mechanicstown 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 Mechanicstown?
The typical homeowner in Mechanicstown pays $5,756 a year, according to the U.S. Census Bureau. That is 1.67% of the home’s value; in Orange County, the rate is 2.19%.
Where can I find free help to buy or rent in Mechanicstown?
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.
