Español

Este sitio también está en español. Leer en español

City · 6,349 residents · Orange County, New York

West Point , New York

In West Point, typical rent is $3,501 a month. Compared with all of Orange County, typical rent is 108% higher and typical household income is 39% higher.

WhatsApp

  • Typical rent

    $3,501a month

    108% above the county

    116% above New York

    • West Point
    • Orange
    • New York

  • Typical household income

    $135,333a year

    39% above the county

    57% above New York

    • West Point
    • Orange
    • New York

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

West Point 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 West Point apart

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

  1. West Point has the highest typical rent of the 333 cities in New York with more than 5,000 people: $3,501.

  2. Nearby, in Kiryas Joel, the typical rent is $1,604: 54% less than in West Point ($3,501).

  3. The typical household income in West Point is $135,333, 39% more than in Orange County as a whole ($97,178).

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

The homes here

Housing in West Point

What homes there are in West Point, 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 West Point; the largest group, attached houses (townhouses), adds up to 59%, against 8% in Orange County.

Year built

In West Point, 95% of homes have 3 bedrooms or more, more than in Orange County (65%).

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

Owners with a mortgage

100%

Orange County: 67%

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 West Point 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

MeasureWest PointOrange CountyNew YorkUnited States
Rental vacancy 8.5%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 3.562.842.492.53
Drive alone 36%67%49%69%
Carpool Unreliable estimate10%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike 31%4%6%3%
Work from home 26%13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute under 10 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in West Point: 8.5% is empty and offered for rent, against 3.8% in Orange County.

On average, a household in West Point has 3.56 people, more than in Orange County (2.84).

More people walk or bike to work in West Point: 31%, against 4% in Orange County.

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 West Point?

The Census Bureau publishes no typical home value or typical household income for West Point, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for West Point, so the calculator starts with the one for Orange County: $387,900. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Orange County. Change the price, the down payment or the loan type and see how your payment changes.

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 West Point. 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 $13,577 (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

$3,621

at 7.18% · 30 years

Loan amount
$380,874
Total interest
$547,988
Paid off in
November 2056

Includes $6,551 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,158 a month

  • Tight

    $3,158 to $4,060 a month

    Your payment · 32%

  • Hard

    more than $4,060 a month

Compared with the typical household income in West Point ($135,333 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,621
Principal & interest$2,580
Property tax$708
Home insurance$162
FHA mortgage insurance (MIP)$172

You need at least $13,577 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

West Point and Orange County

West Point 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).

West Point's own numbers

Typical monthly rent
$3,501
Typical yearly household income
$135,333

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 West Point

The Census Bureau publishes no typical home value for West Point. Below are the numbers for Orange County.

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

West Point 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 monthly rent
  • West Point $3,501
  • Orange $1,680
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • West Point $135,333
  • Orange $97,178
  • New York $85,974
  • United States $80,734
See the full table
West Point next to Orange County and New York
Measure West Point Orange County New York U.S.
Typical monthly rent $3,501 $1,680 $1,621 $1,413
Typical yearly household income $135,333 $97,178 $85,974 $80,734
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 West Point

The Census Bureau publishes no typical home value for West Point, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 West Point and for Orange County.

Property tax

Data not available for this place

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 West Point

Typical rent in West Point is $3,501 a month: 108% above the county. In West Point, 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 West Point

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

For 2 bedrooms it runs from $2,300 in 10928 to $2,680 in 10996.

2 of the 2 are above the fair market rent for Orange County ($2,131).

  • 10928 $2,300$2,900
  • 10996 $2,680$3,400

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

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in West Point

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

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

Housing counselors near West Point

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

  • The Preservation Company

    1037 Main St, Peekskill · 7 miles away · Spanish

    • Rental counseling
    (914) 595-2692

  • Pathstone Corporation- Newburgh, NY

    1 Corwin Ct Ste 201, Newburgh · 9 miles away

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

  • Rockland Housing Action Coalition

    475 Route 304, New City · 16 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (845) 708-5799

Every agency in Orange County All counseling agencies in New York

Help in Spanish near West Point

1 of the 3 agencies on this list says it serves 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 West Point

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

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about West Point

Short answers with the numbers for West Point 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 it cost to rent in West Point?

Typical rent in West Point is $3,501 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 West Point?

West Point 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.

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

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).