Mortgage Rates in Clarkstown, New York — March 2026
Updated March 2026 | Based on Clarkstown market data and regional lending conditions
Clarkstown is a growing city in New York with a population of 86,855. The current 30-year fixed mortgage rate in Clarkstown is 6.89%, which is 0.24% above the national average. With a median home price of $469,000 and a 20% down payment of $93,800, homebuyers can expect a monthly principal and interest payment of approximately $2,469.
Current Mortgage Rates in Clarkstown, NY
Below are the current average mortgage rates available in the Clarkstown area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Clarkstown Housing Market Overview
The Clarkstown housing market reflects moderate demand with prices near the national average. The median household income in Clarkstown is $70,600, and the cost of living index is 139.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $132,300 to comfortably afford the median-priced home in Clarkstown, which exceeds the current median household income.
Monthly Payment Breakdown for Clarkstown
Based on the median home price of $469,000 with 20% down ($93,800), here is what you can expect to pay monthly in Clarkstown:
15-Year vs. 30-Year Mortgage in Clarkstown
Choosing a 15-year mortgage in Clarkstown at 6.1% instead of a 30-year at 6.89% would save you $315,360 in total interest over the life of the loan. However, your monthly payment would be $3,186 instead of $2,469 — an increase of $717 per month.
Calculate Your Clarkstown Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Clarkstown
What are the current mortgage rates in Clarkstown, NY?
As of March 2026, the average 30-year fixed mortgage rate in Clarkstown, New York is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Clarkstown?
Based on the median home price of $469,000 with 20% down, the estimated monthly mortgage payment in Clarkstown is $2,469 for principal and interest. Including property taxes of $618/month, the total monthly housing cost is approximately $3,087.
What income do I need to buy a home in Clarkstown?
Using the 28% rule, you would need an annual income of approximately $132,300 to afford the median-priced home in Clarkstown at $469,000. The median household income in Clarkstown is $70,600. This means most households would need to either earn above the median or consider homes below $469,000.
Is Clarkstown a good place to buy a home in 2026?
Clarkstown has a higher cost of living than average with a cost of living index of 139.6 (national average = 100). The property tax rate in New York is 1.58%, which is above the national average. Clarkstown has a population of 86,855 and offers a balanced lifestyle.
Mortgage Rates in Other New York Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Clarkstown, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.