How much house can you afford in Orange County? With a median price of $450,000 and a typical effective property tax rate of 2.8%, here are the real numbers a typical buyer faces in Hudson Valley — plus a calculator for your exact case.
| Median home price | $450,000 |
| Down payment (20%) | $90,000 |
| Loan amount | $360,000 |
| Principal & interest / mo | $2,275 |
| Property tax / mo (2.8%) | $1,050 |
| Insurance / mo | $150 |
| Total monthly payment | $3,475 |
| Annual income needed (28% rule) | $148,948 |
Orange County is the value play of the Hudson Valley: median prices well under Westchester, popular with buyers priced out of the city.
Different income, debts, down payment or rate — the calculator adjusts instantly and gives you a conservative-to-aggressive range for Orange County.
Calculate my Orange County mortgage →The typical effective rate in Hudson Valley is about 2.8% of home value per year. On a median $450,000 home that is roughly $12,600 per year ($1,050 per month).
For the median $450,000 home with 20% down, the total payment is about $3,475/mo. Under the 28% rule you need a gross income of ~$148,948 per year. With a smaller down payment or existing debts, the figure rises.
No. Hudson Valley is outside NYC, so the city's mortgage recording tax does not apply. The 1% state mansion tax only kicks in at $1 million or more.
Indicative figures based on public data and the stated assumptions; not financial advice. Confirm rates and taxes with your lender and attorney.
