In Scotchtown, a typical home is worth $344,300 and typical rent is $1,813 a month. Compared with all of Orange County, the typical home value is 11% lower, typical rent is 8% higher, and the share of households that own their home is 21 points lower.
Scotchtown 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
47% of households in Scotchtown own their home, against 68% in Orange County.
2
Nearby, in Washingtonville, the typical rent is $1,351: 25% less than in Scotchtown ($1,813).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Scotchtown
What homes there are in Scotchtown, 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
Scotchtown
Orange County
New York
United States
Kind of home: Scotchtown and its comparisons
Measure
Scotchtown
Orange County
New York
United States
Detached house
38%
61%
41%
61%
Attached house
11%
8%
6%
6%
Building of 2 to 4
11%
12%
17%
8%
Apartments (5 or more)
40%
18%
35%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
There are more apartments in Scotchtown than in Orange County: 40% of homes, against 18%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Scotchtown
Orange County
New York
United States
Year built: Scotchtown and its comparisons
Measure
Scotchtown
Orange County
New York
United States
Before 1960
9%
35%
52%
26%
1960–1979
49%
21%
22%
24%
1980–1999
21%
23%
14%
25%
2000–2009
10%
12%
6%
14%
2010 or later
11%
9%
6%
11%
By age, homes in Scotchtown look like those in Orange County: the typical year built is 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K12%
$200K–$300K19%
$300K–$500K61%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Scotchtown and its comparisons
Measure
Scotchtown
Under $100K
Unreliable estimate
$100K–$200K
12%
$200K–$300K
19%
$300K–$500K
61%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49912%
$1,500–$1,99944%
$2,000–$2,49923%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Scotchtown and its comparisons
Measure
Scotchtown
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
12%
$1,500–$1,999
44%
$2,000–$2,499
23%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,268 a month
Orange County: $2,664 a month
Without a mortgage
$939 a month
Orange County: $1,140 a month
Owners with a mortgage
75%
Orange County: 67%
Owning costs less in Scotchtown: with a mortgage, the typical cost is $2,268 a month; in Orange County, $2,664. Without one, $939.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
ScotchtownBoundaries changed
Orange County+43%
New York+35%
United States+53%
Typical rent
ScotchtownBoundaries changed
Orange County+33%
New York+27%
United States+33%
Typical household income
ScotchtownBoundaries changed
Orange County+22%
New York+26%
United States+29%
Change since 2015–2019: Scotchtown and its comparisons
Measure
Scotchtown
Orange County
New York
United States
Typical home value
Boundaries changed
+43%
+35%
+53%
Typical rent
Boundaries changed
+33%
+27%
+33%
Typical household income
Boundaries changed
+22%
+26%
+29%
Scotchtown does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Orange County the typical home value rose 43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Scotchtown and its comparisons
Measure
Scotchtown
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
2.65
2.84
2.49
2.53
Drive alone
72%
67%
49%
69%
Carpool
14%
10%
6%
9%
Public transit
Unreliable estimate
5%
22%
3%
Walk or bike
Unreliable estimate
4%
6%
3%
Work from home
8%
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
On average, a household in Scotchtown has 2.65 people, fewer than in Orange County (2.84).
More people carpool to work in Scotchtown than in Orange County: 14% against 10%.
Do the math
What would you pay each month for a home in Scotchtown?
A typical home costs more than the typical income allows
We start with a typical home in Scotchtown, worth $344,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Scotchtown, which is $96,689 a year. For that payment to be 28% of income, a household would need to earn about $135,540 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 Scotchtown. 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 $12,051 (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
$3,163
at 7.18% · 30 years
Loan amount
$338,063
Total interest
$486,394
Paid off in
November 2056
Includes $5,814 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,256 a month
Tight
$2,256 to $2,901 a month
Hard
more than $2,901 a month
Your payment · 39%
Compared with the typical household income in Scotchtown ($96,689 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,290
Property tax
$577
Home insurance
$144
FHA mortgage insurance (MIP)
$152
You need at least $12,051 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 $3,163; principal and interest $2,290.
The city and its county
Scotchtown and Orange County
Scotchtown 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).
Scotchtown
Map of Orange County, New York, with Scotchtown marked. Around it, the neighboring counties.
Scotchtown
Orange County
Other cities with a page
Scotchtown's own numbers
Typical home value
$344,300
Typical monthly rent
$1,813
Typical yearly household income
$96,689
Households that own their home
47%
Effective property tax rate
2.01%
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 Scotchtown is worth $344,300: 11% below the county and 19% below New York. With the typical household income in Scotchtown ($96,689 a year), a typical home costs 3.6 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.
Scotchtown3.6 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
Scotchtown 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
Scotchtown$344,300
Orange$387,900
New York$423,800
United States$332,700
Typical monthly rent
Scotchtown$1,813
Orange$1,680
New York$1,621
United States$1,413
Typical yearly household income
Scotchtown$96,689
Orange$97,178
New York$85,974
United States$80,734
See the full table
Scotchtown next to Orange County and New York
Measure
Scotchtown
Orange County
New York
U.S.
Typical home value
$344,300 ▼11% below the county
$387,900
$423,800
$332,700
Typical monthly rent
$1,813 ▲8% above the county
$1,680
$1,621
$1,413
Typical yearly household income
$96,689
$97,178
$85,974
$80,734
Households that own their home
47% ▼21 points below the county
68%
54%
65%
Typical yearly property tax
$6,919 ▼19% below the county
$8,494
$6,582
$3,119
Effective property tax rate
2.01% ▼0.18 points below the county
2.19%
1.55%
0.94%
Renters with high rent for their income
45% ▼12 points below 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 Scotchtown
For a typical $344,300 home in Scotchtown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scotchtown's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,163a month
Least cash to close
Down payment
$12,051
Cash to close
$22,380
Rate
7.18%
Mortgage insurance
FHA MIP · $152
Conventional, 5% down$3,099a month
Down payment
$17,215
Cash to close
$27,544
Rate
7.18%
Mortgage insurance
PMI · $164
Conventional, 20% down, no PMI$2,586a month
Down payment
$68,860
Cash to close
$79,189
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,904a month
Down payment
$51,645
Cash to close
$61,974
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Scotchtown
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,163
$12,051
$338,064
7.18%
FHA MIP · $152
$22,380
580
Conventional, 5% down
$3,099
$17,215
$327,085
7.18%
PMI · $164
$27,544
620*
Conventional, 20% down, no PMI
$2,586
$68,860
$275,440
7.18%
None
$79,189
620*
ITIN, 15% down (example)
$2,904
$51,645
$292,655
8.18%
None
$61,974
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 Scotchtown is $1,813 a month: 8% above the county. In Scotchtown, 45% 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 Scotchtown
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Scotchtown is in ZIP code 10941.
For 2 bedrooms it is $2,260: $129 more than the fair market rent for Orange County ($2,131).
Fair market rent by ZIP code and size in Scotchtown, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
10941
$1,570
$1,760
$2,260
$2,850
$2,990
ZIP code2 bd3 bd
10941 $2,260$2,850
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Scotchtown 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 Scotchtown or Orange County. The ones below are statewide in New York: they work in Scotchtown 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 Scotchtown 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 Scotchtown 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 Scotchtown?
The typical home value in Scotchtown is $344,300, 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 Scotchtown?
Typical rent in Scotchtown is $1,813 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 Scotchtown?
Scotchtown 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 Scotchtown?
The typical homeowner in Scotchtown pays $6,919 a year, according to the U.S. Census Bureau. That is 2.01% of the home’s value; in Orange County, the rate is 2.19%.
Where can I find free help to buy or rent in Scotchtown?
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.
