Mortgage payment estimates, closing cost breakdowns, and homebuying data for Kingston, New York.
Pre-filled with Kingston median home price and New York tax/insurance rates. Adjust for your property.
Estimated closing costs based on New York rates and fees applied to Kingston prices.
The median home price in Kingston is $325,000, 24% below the New York state median of $430,000. With a population of 23,420, Kingston is a smaller market where home prices tend to be more accessible than in many parts of New York.
Property taxes in New York average 1.72% annually. This higher-than-average tax rate means a $325,000 home in Kingston would carry roughly $466/month in property taxes alone — plan accordingly. Homeowners insurance in New York runs approximately $2,100 per year. This is within the normal range nationally.
Average rent in Kingston is $1,420/month. The price-to-rent ratio in Kingston is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Kingston presents moderate affordability. The $325K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.