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City · 31,958 residents · Dutchess County, New York

Poughkeepsie , New York

In Poughkeepsie, a typical home is worth $283,700 and typical rent is $1,400 a month. Compared with all of Dutchess County, typical household income is 39% lower, the typical home value is 29% lower, and the share of households that own their home is 30 points lower.

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  • Typical home value

    $283,700

    29% below the county

    33% below New York

    • Poughkeepsie
    • Dutchess
    • New York

  • Typical rent

    $1,400a month

    12% below the county

    14% below New York

    • Poughkeepsie
    • Dutchess
    • New York

  • Typical household income

    $60,741a year

    39% below the county

    29% below New York

    • Poughkeepsie
    • Dutchess
    • New York

  • Households that own their home

    39%

    30 points below the county

    16 points below New York

    • Poughkeepsie
    • Dutchess
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$1,865 a month
2.7% more than 12 months ago

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

Poughkeepsie is in Dutchess 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 Dutchess County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Poughkeepsie apart

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

  1. 39% of households in Poughkeepsie own their home, against 69% in Dutchess County.

  2. The typical household income in Poughkeepsie is $60,741, 39% less than in Dutchess County as a whole ($99,478).

  3. The typical home in Poughkeepsie is worth $283,700, 29% less than in Dutchess County as a whole ($400,600).

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

The homes here

Housing in Poughkeepsie

What homes there are in Poughkeepsie, 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

No kind of home is the majority in Poughkeepsie; the largest group, buildings of 2 to 4 homes, adds up to 36%, against 13% in Dutchess County.

Year built

Homes in Poughkeepsie are older: the typical year built is 1952; in Dutchess County, 1971.

Homes in Poughkeepsie are smaller: 39% have 3 bedrooms or more; in Dutchess County, 61%.

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

The FHA loan limit for Dutchess County is $541,287, and about 90% of owner-occupied homes in Poughkeepsie are worth less than that.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Dutchess County is $2,131; about 81% of rents in Poughkeepsie are below it.

With a mortgage

$2,156 a month

Dutchess County: $2,597 a month

Without a mortgage

$966 a month

Dutchess County: $1,064 a month

Owners with a mortgage

64%

Dutchess County: 62%

In Poughkeepsie, 64% of owners have a mortgage, and their typical cost is $2,156 a month, against $2,597 in Dutchess County. Without one it drops to $966.

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

Much as in Dutchess County, the typical home value in Poughkeepsie rose 44% since 2015–2019.

The typical rent in Poughkeepsie rose 26% over the same time; in Dutchess County, it rose 30%.

To compare: typical income in Poughkeepsie rose 39%; the home, +44%; the rent, +26%.

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

MeasurePoughkeepsieDutchess CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.6%3.8%5.5%
Homeowner vacancy Unreliable estimate0.4%1.1%0.9%
More than one person per room 3.2%1.7%5.3%3.4%
People per household 2.262.402.492.53
Drive alone 64%69%49%69%
Carpool 12%7%6%9%
Public transit 6%4%22%3%
Walk or bike 6%4%6%3%
Work from home 9%15%15%15%
Other means 3%1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Poughkeepsie, 3.2% of households live with more than one person per room, against 1.7% in Dutchess County.

On average, a household in Poughkeepsie has 2.26 people, fewer than in Dutchess County (2.40).

In Poughkeepsie, 12% of workers share a car to get to work; in Dutchess County, 7%.

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 Poughkeepsie?

A typical home costs more than the typical income allows

We start with a typical home in Poughkeepsie, worth $283,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Poughkeepsie, which is $60,741 a year. For that payment to be 28% of income, a household would need to earn about $111,785 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Poughkeepsie. 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 $9,930 (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

$2,608

at 7.18% · 30 years

Loan amount
$278,561
Total interest
$400,784
Paid off in
November 2056

Includes $4,791 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,417 a month

  • Tight

    $1,417 to $1,822 a month

  • Hard

    more than $1,822 a month

    Your payment · 52%

Compared with the typical household income in Poughkeepsie ($60,741 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,608
Principal & interest$1,887
Property tax$478
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,930 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

Poughkeepsie and Dutchess County

Poughkeepsie is in Dutchess 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).

Poughkeepsie's own numbers

Typical home value
$283,700
Typical monthly rent
$1,400
Typical yearly household income
$60,741
Households that own their home
39%
Effective property tax rate
2.02%

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

Numbers for all of Dutchess 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)
+56%
Homes in a high flood-risk zone
2.5%

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 Dutchess County.

Everything about Dutchess County

Buying

Buying a home in Poughkeepsie

A typical home in Poughkeepsie is worth $283,700: 29% below the county and 33% below New York. With the typical household income in Poughkeepsie ($60,741 a year), a typical home costs 4.7 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.

  • Poughkeepsie 4.7 years
  • Dutchess 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 Dutchess County

According to FHFA’s house price index, home prices in Dutchess County rose 90% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +6.3% +6.0% +2.9%
5 years (2020–2025) +56% +52% +47%
10 years (2015–2025) +90% +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

Poughkeepsie next to Dutchess 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
  • Poughkeepsie $283,700
  • Dutchess $400,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Poughkeepsie $1,400
  • Dutchess $1,582
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Poughkeepsie $60,741
  • Dutchess $99,478
  • New York $85,974
  • United States $80,734
See the full table
Poughkeepsie next to Dutchess County and New York
Measure Poughkeepsie Dutchess County New York U.S.
Typical home value $283,700 $400,600 $423,800 $332,700
Typical monthly rent $1,400 $1,582 $1,621 $1,413
Typical yearly household income $60,741 $99,478 $85,974 $80,734
Households that own their home 39% 69% 54% 65%
Typical yearly property tax $5,718 $7,562 $6,582 $3,119
Effective property tax rate 2.02% 1.89% 1.55% 0.94%
Renters with high rent for their income 60% 52% 52% 51%

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

For a typical $283,700 home in Poughkeepsie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Poughkeepsie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,608a month

    Least cash to close
    Down payment
    $9,930
    Cash to close
    $18,441
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,556a month

    Down payment
    $14,185
    Cash to close
    $22,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $135

  • Conventional, 20% down, no PMI $2,133a month

    Down payment
    $56,740
    Cash to close
    $65,251
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,396a month

    Down payment
    $42,555
    Cash to close
    $51,066
    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 Poughkeepsie and for Dutchess County.

Property tax

Effective rate in Poughkeepsie

2.02%of the home’s value each year

$5,718 a year for the typical owner in Poughkeepsie.

  • Poughkeepsie 2.02%
  • Dutchess 1.89%
  • 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 Dutchess County

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

Homes in the high-risk zone
2.5%
2,455
Of those, with NFIP insurance
31%
County New York U.S.
Homes in the high-risk zone 2.5% 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 Poughkeepsie

Typical rent in Poughkeepsie is $1,400 a month: 12% below the county. In Poughkeepsie, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dutchess 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 Dutchess 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 Poughkeepsie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Poughkeepsie has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,950 in 12601 to $2,210 in 12603.

1 of the 2 is above the fair market rent for Dutchess County ($2,131).

  • 12601 $1,950$2,460
  • 12603 $2,210$2,790

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Poughkeepsie 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 Poughkeepsie

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

  • Eastman & Bixby Privatization 22 Montgomery St, Poughkeepsie 12601 251 low-income homes · Studio: 12 · 1 bd: 171 · 2 bd: 46 · 3 bd: 16 · 4 bd: 6 · In service since 2002 · For families
  • Hudson Garden Apts. 378 Mansion St, Poughkeepsie 12601 243 homes, 242 low-income · Run by Poughkeepsie Housing Authority · Average payment: $559 a month · Average wait: 74 months (845) 485-8862
  • Harriet Tubman Terrace 21 Williams St, Poughkeepsie 12601 200 homes, 193 low-income · For families
  • Rip Van Winkle House 10 Rinaldi Blvd, Poughkeepsie 12601 179 homes, 178 low-income · 1 bd: 37 · 2 bd: 88 · 3 bd: 42 · 4 bd: 12 · In service since 2005 · For families
  • Lexington Club at Galleria 1964 South Rd, Poughkeepsie 12601 160 low-income homes · 1 bd: 98 · 2 bd: 50 · 3 bd: 12 · In service since 2003 · For families

See all 42 buildings in Dutchess County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Poughkeepsie

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 is 1 HUD-approved agency with an office in Dutchess County; 1 says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Poughkeepsie

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

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

Housing counselors near Poughkeepsie

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

  • Hudson River Housing

    313 Mill St, Poughkeepsie · 1 miles away · Spanish

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

  • Pathstone Corporation- Newburgh, NY

    1 Corwin Ct Ste 201, Newburgh · 15 miles away

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

  • Rupco Inc.

    3 North St, Walden · 17 miles away · Spanish

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

Every agency in Dutchess County All counseling agencies in New York

Help in Spanish near Poughkeepsie

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 Poughkeepsie

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

  • City of Poughkeepsie Section 8 vouchers (845) 451-4020
  • Poughkeepsie Housing Authority Public housing and Section 8 vouchers (845) 485-8862

One other authority has an office in Dutchess County: see the list Source: HUD

Cities

Other cities in Dutchess County

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

Everything about Dutchess County Housing in New York

Nearby cities

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

Neighboring counties

If Dutchess 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 Poughkeepsie.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Poughkeepsie

Short answers with the numbers for Poughkeepsie and all of Dutchess 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 Poughkeepsie?

The typical home value in Poughkeepsie is $283,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dutchess County it is $400,600.

How much does it cost to rent in Poughkeepsie?

Typical rent in Poughkeepsie is $1,400 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dutchess County is $2,131.

What is the FHA loan limit in Poughkeepsie?

Poughkeepsie uses the FHA limit for all of Dutchess 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 Poughkeepsie?

The typical homeowner in Poughkeepsie pays $5,718 a year, according to the U.S. Census Bureau. That is 2.02% of the home’s value; in Dutchess County, the rate is 1.89%.

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

There is 1 HUD-approved counseling agency with an office in Dutchess 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).