Español

Este sitio también está en español. Leer en español

City · 9,784 residents · Orange County, New York

Orange Lake , New York

In Orange Lake, a typical home is worth $362,100 and typical rent is $2,290 a month. Compared with all of Orange County, typical rent is 36% higher, typical household income is 12% higher, and the share of households that own their home is 19 points higher.

WhatsApp

  • Typical home value

    $362,100

    7% below the county

    15% below New York

    • Orange Lake
    • Orange
    • New York

  • Typical rent

    $2,290a month

    36% above the county

    41% above New York

    • Orange Lake
    • Orange
    • New York

  • Typical household income

    $109,063a year

    12% above the county

    27% above New York

    • Orange Lake
    • Orange
    • New York

  • Households that own their home

    86%

    19 points above the county

    32 points above New York

    • Orange Lake
    • Orange
    • New York

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

Orange Lake 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 Orange Lake apart

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

  1. 86% of households in Orange Lake own their home, against 68% in Orange County.

  2. Nearby, in Newburgh, the typical rent is $1,454: 37% less than in Orange Lake ($2,290).

  3. Nearby, in Newburgh, the typical home value is $247,900: 32% less than in Orange Lake ($362,100).

  4. The typical rent in Orange Lake is $2,290 a month, 36% more than in Orange County as a whole ($1,680).

  5. Orange Lake has the 21st 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 Orange Lake

What homes there are in Orange Lake, 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 houses, standing on their own, make up 77% of homes here, against 61% in Orange County.

Year built

By age, homes in Orange Lake look like those in Orange County: the typical year built is 1978.

There is more room for a big family here: 81% 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

$2,403 a month

Orange County: $2,664 a month

Without a mortgage

$1,021 a month

Orange County: $1,140 a month

Owners with a mortgage

67%

Orange County: 67%

Owning costs less in Orange Lake: with a mortgage, the typical cost is $2,403 a month; in Orange County, $2,664. Without one, $1,021.

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 Orange Lake with 2015–2019 because its boundaries changed. In Orange County, over that time, the typical home value rose 43%.

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

MeasureOrange LakeOrange 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 Unreliable estimate3.7%5.3%3.4%
People per household 2.502.842.492.53
Drive alone 70%67%49%69%
Carpool Unreliable estimate10%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 14%13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Orange Lake are smaller: 2.50 people on average; in Orange County, 2.84.

To get to work, 70% of workers in Orange Lake drive alone; in Orange County, 67%.

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 Orange Lake?

A typical home is tight for the typical income

We start with a typical home in Orange Lake, worth $362,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Orange Lake, which is $109,063 a year. For that payment to be 28% of income, a household would need to earn about $139,314 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 Orange Lake. 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 $12,674 (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

$3,251

at 7.18% · 30 years

Loan amount
$355,541
Total interest
$511,540
Paid off in
November 2056

Includes $6,115 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,545 a month

  • Tight

    $2,545 to $3,272 a month

    Your payment · 36%

  • Hard

    more than $3,272 a month

Compared with the typical household income in Orange Lake ($109,063 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,251
Principal & interest$2,409
Property tax$531
Home insurance$151
FHA mortgage insurance (MIP)$160

You need at least $12,674 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

Orange Lake and Orange County

Orange Lake 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).

Orange Lake's own numbers

Typical home value
$362,100
Typical monthly rent
$2,290
Typical yearly household income
$109,063
Households that own their home
86%
Effective property tax rate
1.76%

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 Orange Lake

A typical home in Orange Lake is worth $362,100: 7% below the county and 15% below New York. With the typical household income in Orange Lake ($109,063 a year), a typical home costs 3.3 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.

  • Orange Lake 3.3 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

Orange Lake 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
  • Orange Lake $362,100
  • Orange $387,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Orange Lake $2,290
  • Orange $1,680
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Orange Lake $109,063
  • Orange $97,178
  • New York $85,974
  • United States $80,734
See the full table
Orange Lake next to Orange County and New York
Measure Orange Lake Orange County New York U.S.
Typical home value $362,100 $387,900 $423,800 $332,700
Typical monthly rent $2,290 $1,680 $1,621 $1,413
Typical yearly household income $109,063 $97,178 $85,974 $80,734
Households that own their home 86% 68% 54% 65%
Typical yearly property tax $6,356 $8,494 $6,582 $3,119
Effective property tax rate 1.76% 2.19% 1.55% 0.94%
Renters with high rent for their income 38% 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 Orange Lake

For a typical $362,100 home in Orange Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orange Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,251a month

    Least cash to close
    Down payment
    $12,674
    Cash to close
    $23,537
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $160

  • Conventional, 5% down $3,184a month

    Down payment
    $18,105
    Cash to close
    $28,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,644a month

    Down payment
    $72,420
    Cash to close
    $83,283
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,979a month

    Down payment
    $54,315
    Cash to close
    $65,178
    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 Orange Lake and for Orange County.

Property tax

Effective rate in Orange Lake

1.76%of the home’s value each year

$6,356 a year for the typical owner in Orange Lake.

  • Orange Lake 1.76%
  • 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 Orange Lake

Typical rent in Orange Lake is $2,290 a month: 36% above the county. In Orange Lake, 38% 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 Orange Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orange Lake 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 Orange Lake 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 Orange Lake

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Orange Lake

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

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

Housing counselors near Orange Lake

The HUD-approved agencies closest to the center of Orange Lake, 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 · 4 miles away

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

  • Rupco Inc.

    3 North St, Walden · 5 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 Orange Lake

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 Orange Lake

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

4 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 Orange Lake, 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 Orange Lake.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Orange Lake

Short answers with the numbers for Orange Lake 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 Orange Lake?

The typical home value in Orange Lake is $362,100, 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 Orange Lake?

Typical rent in Orange Lake is $2,290 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 Orange Lake?

Orange Lake 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 Orange Lake?

The typical homeowner in Orange Lake pays $6,356 a year, according to the U.S. Census Bureau. That is 1.76% of the home’s value; in Orange County, the rate is 2.19%.

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

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).