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City · 28,519 residents · Orange County, New York

Newburgh , New York

In Newburgh, a typical home is worth $247,900 and typical rent is $1,454 a month. Compared with all of Orange County, typical household income is 41% lower, the typical home value is 36% lower, and the share of households that own their home is 33 points lower.

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  • Typical home value

    $247,900

    36% below the county

    42% below New York

    • Newburgh
    • Orange
    • New York

  • Typical rent

    $1,454a month

    13% below the county

    10% below New York

    • Newburgh
    • Orange
    • New York

  • Typical household income

    $56,960a year

    41% below the county

    34% below New York

    • Newburgh
    • Orange
    • New York

  • Households that own their home

    35%

    33 points below the county

    20 points below New York

    • Newburgh
    • Orange
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$404,050
4.3% more than 12 months ago
Typical rent
$1,939 a month
2.2% more than 12 months ago

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

Newburgh 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 Newburgh apart

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

  1. 35% of households in Newburgh own their home, against 68% in Orange County.

  2. The typical household income in Newburgh is $56,960, 41% less than in Orange County as a whole ($97,178).

  3. The typical home in Newburgh is worth $247,900, 36% less than in Orange County as a whole ($387,900).

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

The homes here

Housing in Newburgh

What homes there are in Newburgh, 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 here are varied: buildings of 2 to 4 homes are 43% of them, more than in Orange County (12%), and no kind reaches half.

Year built

In Newburgh, at least half of the homes were built before 1940, and 69% date from before 1960.

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

$2,147 a month

Orange County: $2,664 a month

Without a mortgage

$1,098 a month

Orange County: $1,140 a month

Owners with a mortgage

70%

Orange County: 67%

In Newburgh, 70% of owners have a mortgage, and their typical cost is $2,147 a month, against $2,664 in Orange County. Without one it drops to $1,098.

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 Newburgh rose 56%; in Orange County, it rose 43%.

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

The typical household income in Newburgh rose 36% over that time; home values changed +56% 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

MeasureNewburghOrange CountyNew YorkUnited States
Rental vacancy 4.7%3.8%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate3.7%5.3%3.4%
People per household 2.642.842.492.53
Drive alone 55%67%49%69%
Carpool 15%10%6%9%
Public transit 5%5%22%3%
Walk or bike 8%4%6%3%
Work from home 9%13%15%15%
Other means 9%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Newburgh look like those in Orange County: the rental vacancy rate is 4.7%.

On average, a household in Newburgh has 2.64 people, fewer than in Orange County (2.84).

More people carpool to work in Newburgh than in Orange County: 15% against 10%.

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 Newburgh?

A typical home costs more than the typical income allows

We start with a typical home in Newburgh, worth $247,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Newburgh, which is $56,960 a year. For that payment to be 28% of income, a household would need to earn about $104,585 a year.

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 Newburgh. 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 $8,677 (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

$2,440

at 7.18% · 30 years

Loan amount
$243,409
Total interest
$350,209
Paid off in
November 2056

Includes $4,186 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,329 a month

  • Tight

    $1,329 to $1,709 a month

  • Hard

    more than $1,709 a month

    Your payment · 51%

Compared with the typical household income in Newburgh ($56,960 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,440
Principal & interest$1,649
Property tax$578
Home insurance$103
FHA mortgage insurance (MIP)$110

You need at least $8,677 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

Newburgh and Orange County

Newburgh 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).

Newburgh's own numbers

Typical home value
$247,900
Typical monthly rent
$1,454
Typical yearly household income
$56,960
Households that own their home
35%
Effective property tax rate
2.8%

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 Newburgh

A typical home in Newburgh is worth $247,900: 36% below the county and 42% below New York. With the typical household income in Newburgh ($56,960 a year), a typical home costs 4.4 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.

  • Newburgh 4.4 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

Newburgh 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
  • Newburgh $247,900
  • Orange $387,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Newburgh $1,454
  • Orange $1,680
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Newburgh $56,960
  • Orange $97,178
  • New York $85,974
  • United States $80,734
See the full table
Newburgh next to Orange County and New York
Measure Newburgh Orange County New York U.S.
Typical home value $247,900 $387,900 $423,800 $332,700
Typical monthly rent $1,454 $1,680 $1,621 $1,413
Typical yearly household income $56,960 $97,178 $85,974 $80,734
Households that own their home 35% 68% 54% 65%
Typical yearly property tax $6,949 $8,494 $6,582 $3,119
Effective property tax rate 2.8% 2.19% 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 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 Newburgh

For a typical $247,900 home in Newburgh, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newburgh's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,440a month

    Least cash to close
    Down payment
    $8,677
    Cash to close
    $16,114
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $2,395a month

    Down payment
    $12,395
    Cash to close
    $19,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $118

  • Conventional, 20% down, no PMI $2,025a month

    Down payment
    $49,580
    Cash to close
    $57,017
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,254a month

    Down payment
    $37,185
    Cash to close
    $44,622
    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 Newburgh and for Orange County.

Property tax

Effective rate in Newburgh

2.8%of the home’s value each year

$6,949 a year for the typical owner in Newburgh.

  • Newburgh 2.8%
  • 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 Newburgh

Typical rent in Newburgh is $1,454 a month: 13% below the county. In Newburgh, 59% 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 Newburgh

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newburgh is in ZIP code 12550.

For 2 bedrooms it is $2,040: $91 less than the fair market rent for Orange County ($2,131).

  • 12550 $2,040$2,570

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

HUD lists 25 buildings with rents for lower incomes in Newburgh. These are the largest.

  • Lake Street Apts 57 Lake Dr, Newburgh 12550 375 low-income homes · Studio: 50 · 1 bd: 97 · 2 bd: 125 · 3 bd: 82 · 4 bd: 21 · In service since 2006 · For families
  • Bourne & Kenney Privatization 144 Dickson St, Newburgh 12550 205 low-income homes · Studio: 12 · 1 bd: 24 · 2 bd: 108 · 3 bd: 55 · 4 bd: 6 · In service since 2000 · For families
  • The Cornerstone Residence 111 Broadway, Newburgh 12550 128 low-income homes · Studio: 128 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Burton Towers 36 Cerone Pl, Newburgh 12550 126 homes, 125 low-income · For older adults
  • Varick-Peterson Homes 121A Varick Homes, Newburgh 12550 122 homes, 119 low-income · For families

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

Free help

Help to buy or rent in Newburgh

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 man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Newburgh

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

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

Housing counselors near Newburgh

The HUD-approved agencies closest to the center of Newburgh, 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 · 1 miles away

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

  • Rupco Inc.

    3 North St, Walden · 10 miles away · Spanish

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

  • Hudson River Housing

    313 Mill St, Poughkeepsie · 15 miles away · Spanish

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

Every agency in Orange County All counseling agencies in New York

Help in Spanish near Newburgh

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 Newburgh

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

  • Housing Authority of Newburgh Public housing and Section 8 vouchers (845) 561-2066

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 Newburgh, 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 Newburgh.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Newburgh

Short answers with the numbers for Newburgh 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 Newburgh?

The typical home value in Newburgh is $247,900, 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 Newburgh?

Typical rent in Newburgh is $1,454 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 Newburgh?

Newburgh 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 Newburgh?

The typical homeowner in Newburgh pays $6,949 a year, according to the U.S. Census Bureau. That is 2.8% of the home’s value; in Orange County, the rate is 2.19%.

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

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).