In Port Jervis, a typical home is worth $236,700 and typical rent is $1,260 a month. Compared with all of Orange County, typical household income is 51% lower, the typical home value is 39% lower, and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $234,610 to $318,510.
Typical rent
$1,788a month
Typical rent from Zillow, March 2026 to September 2026: from $1,675 to $1,788.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Port Jervis 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
The typical household income in Port Jervis is $47,917,51% less than in Orange County as a whole ($97,178).
2
The typical home in Port Jervis is worth $236,700,39% less than in Orange County as a whole ($387,900).
3
51% of households in Port Jervis own their home, against 68% in Orange County.
4
Nearby, in Monticello, the typical home value is $172,000: 27% less than in Port Jervis ($236,700).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Port Jervis rose 1.1%; in New York, it rose 5.6%.
6
The typical rent in Port Jervis is $1,260 a month, 25% less than in Orange County as a whole ($1,680).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Port Jervis
What homes there are in Port Jervis, 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
Port Jervis
Orange County
New York
United States
Kind of home: Port Jervis and its comparisons
Measure
Port Jervis
Orange County
New York
United States
Detached house
56%
61%
41%
61%
Attached house
Unreliable estimate
8%
6%
6%
Building of 2 to 4
18%
12%
17%
8%
Apartments (5 or more)
23%
18%
35%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Port Jervis, 6 in 10 homes are single-family detached houses; in Orange County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Port Jervis
Orange County
New York
United States
Year built: Port Jervis and its comparisons
Measure
Port Jervis
Orange County
New York
United States
Before 1960
73%
35%
52%
26%
1960–1979
12%
21%
22%
24%
1980–1999
8%
23%
14%
25%
2000–2009
Unreliable estimate
12%
6%
14%
2010 or later
Unreliable estimate
9%
6%
11%
The typical home in Port Jervis was built before 1940, the oldest group the Census tells apart; 73% of homes date from before 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K32%
$200K–$300K33%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Port Jervis and its comparisons
Measure
Port Jervis
Under $100K
Unreliable estimate
$100K–$200K
32%
$200K–$300K
33%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49940%
$1,500–$1,99923%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Port Jervis and its comparisons
Measure
Port Jervis
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
40%
$1,500–$1,999
23%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,941 a month
Orange County: $2,664 a month
Without a mortgage
$985 a month
Orange County: $1,140 a month
Owners with a mortgage
46%
Orange County: 67%
In Port Jervis, 46% of owners have a mortgage, and their typical cost is $1,941 a month, against $2,664 in Orange County. Without one it drops to $985.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port Jervis+63%
Orange County+43%
New York+35%
United States+53%
Typical rent
Port JervisNo clear change
Orange County+33%
New York+27%
United States+33%
Typical household income
Port JervisNo clear change
Orange County+22%
New York+26%
United States+29%
Change since 2015–2019: Port Jervis and its comparisons
Measure
Port Jervis
Orange County
New York
United States
Typical home value
+63%
+43%
+35%
+53%
Typical rent
No clear change
+33%
+27%
+33%
Typical household income
No clear change
+22%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Port Jervis rose 63%; in Orange County, it rose 43%.
The typical rent in Port Jervis stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port Jervis and its comparisons
Measure
Port Jervis
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
2.39
2.84
2.49
2.53
Drive alone
67%
67%
49%
69%
Carpool
12%
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
Households in Port Jervis are smaller: 2.39 people on average; in Orange County, 2.84.
In Port Jervis, 67% of workers drive alone to work; in Orange County, 67%.
Do the math
What would you pay each month for a home in Port Jervis?
A typical home costs more than the typical income allows
We start with a typical home in Port Jervis, worth $236,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Port Jervis, which is $47,917 a year. For that payment to be 28% of income, a household would need to earn about $95,295 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 Port Jervis. 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 $8,285 (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
$2,224
at 7.18% · 30 years
Loan amount
$232,412
Total interest
$334,387
Paid off in
November 2056
Includes $3,997 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,118 a month
Tight
$1,118 to $1,438 a month
Hard
more than $1,438 a month
Your payment · 56%
Compared with the typical household income in Port Jervis ($47,917 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,574
Property tax
$446
Home insurance
$99
FHA mortgage insurance (MIP)
$105
You need at least $8,285 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 $2,224; principal and interest $1,574.
The city and its county
Port Jervis and Orange County
Port Jervis 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).
Port Jervis
Map of Orange County, New York, with Port Jervis marked. Around it, the neighboring counties.
Port Jervis
Orange County
Other cities with a page
Port Jervis's own numbers
Typical home value
$236,700
Typical monthly rent
$1,260
Typical yearly household income
$47,917
Households that own their home
51%
Effective property tax rate
2.26%
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 Port Jervis is worth $236,700: 39% below the county and 44% below New York. With the typical household income in Port Jervis ($47,917 a year), a typical home costs 4.9 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.
Port Jervis4.9 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
Port Jervis 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
Port Jervis$236,700
Orange$387,900
New York$423,800
United States$332,700
Typical monthly rent
Port Jervis$1,260
Orange$1,680
New York$1,621
United States$1,413
Typical yearly household income
Port Jervis$47,917
Orange$97,178
New York$85,974
United States$80,734
See the full table
Port Jervis next to Orange County and New York
Measure
Port Jervis
Orange County
New York
U.S.
Typical home value
$236,700 ▼39% below the county
$387,900
$423,800
$332,700
Typical monthly rent
$1,260 ▼25% below the county
$1,680
$1,621
$1,413
Typical yearly household income
$47,917 ▼51% below the county
$97,178
$85,974
$80,734
Households that own their home
51% ▼17 points below the county
68%
54%
65%
Typical yearly property tax
$5,339 ▼37% below the county
$8,494
$6,582
$3,119
Effective property tax rate
2.26% ▲0.07 points above the county
2.19%
1.55%
0.94%
Renters with high rent for their income
73% ▲16 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 Port Jervis
For a typical $236,700 home in Port Jervis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Jervis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,224a month
Least cash to close
Down payment
$8,285
Cash to close
$15,386
Rate
7.18%
Mortgage insurance
FHA MIP · $105
Conventional, 5% down$2,180a month
Down payment
$11,835
Cash to close
$18,936
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,827a month
Down payment
$47,340
Cash to close
$54,441
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,046a month
Down payment
$35,505
Cash to close
$42,606
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port Jervis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,224
$8,285
$232,413
7.18%
FHA MIP · $105
$15,386
580
Conventional, 5% down
$2,180
$11,835
$224,865
7.18%
PMI · $112
$18,936
620*
Conventional, 20% down, no PMI
$1,827
$47,340
$189,360
7.18%
None
$54,441
620*
ITIN, 15% down (example)
$2,046
$35,505
$201,195
8.18%
None
$42,606
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 Port Jervis is $1,260 a month: 25% below the county. In Port Jervis, 73% 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 Port Jervis
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Jervis is in ZIP code 12771.
For 2 bedrooms it is $1,790: $341 less than the fair market rent for Orange County ($2,131).
Fair market rent by ZIP code and size in Port Jervis, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
12771
$1,230
$1,400
$1,790
$2,260
$2,430
ZIP code2 bd3 bd
12771 $1,790$2,260
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Jervis 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)
HUD lists 7 buildings with rents for lower incomes in Port Jervis. These are the largest.
Water's Edge208 E Main St, Port Jervis 1277189 homes, 88 low-income · 1 bd: 88 · In service since 2002 · For older adults, families
Hillside Terrace Apts39 Pennsylvania Ave, Port Jervis 1277175 low-income homes · Run by Port Jervis Housing Authority · Average payment: $591 a month · Average wait: 13 months(845) 856-8621
PJ Housing230 Jersey Ave, Port Jervis 1277151 homes, 50 low-income · 1 bd: 50 · 2 bd: 1 · In service since 2012 · For older adults
Water's Edge 40214 E Main St, Port Jervis 1277140 low-income homes · 1 bd: 40 · In service since 2004 · For older adults
Water's Edge 32216 E Main St, Port Jervis 1277132 low-income homes · 1 bd: 32 · In service since 2003 · For older adults
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 Port Jervis or Orange County. The ones below are statewide in New York: they work in Port Jervis 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).
No legal help resource on our list is for Port Jervis 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 Port Jervis 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 Port Jervis?
The typical home value in Port Jervis is $236,700, 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 Port Jervis?
Typical rent in Port Jervis is $1,260 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 Port Jervis?
Port Jervis 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 Port Jervis?
The typical homeowner in Port Jervis pays $5,339 a year, according to the U.S. Census Bureau. That is 2.26% of the home’s value; in Orange County, the rate is 2.19%.
Where can I find free help to buy or rent in Port Jervis?
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.
