Mortgage Rates in Hastings-on-Hudson, New York — March 2026
Updated March 2026 | Based on Hastings-on-Hudson market data and regional lending conditions
Hastings-on-Hudson is a growing city in New York with a population of 7,849. The current 30-year fixed mortgage rate in Hastings-on-Hudson is 6.68%, which is 0.03% above the national average. With a median home price of $393,000 and a 20% down payment of $78,600, homebuyers can expect a monthly principal and interest payment of approximately $2,025.
Current Mortgage Rates in Hastings-on-Hudson, NY
Below are the current average mortgage rates available in the Hastings-on-Hudson 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Hastings-on-Hudson Housing Market Overview
The Hastings-on-Hudson housing market reflects moderate demand with prices near the national average. The median household income in Hastings-on-Hudson is $60,900, and the cost of living index is 127.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $110,786 to comfortably afford the median-priced home in Hastings-on-Hudson, which exceeds the current median household income.
Monthly Payment Breakdown for Hastings-on-Hudson
Based on the median home price of $393,000 with 20% down ($78,600), here is what you can expect to pay monthly in Hastings-on-Hudson:
15-Year vs. 30-Year Mortgage in Hastings-on-Hudson
Choosing a 15-year mortgage in Hastings-on-Hudson at 5.93% instead of a 30-year at 6.68% would save you $253,620 in total interest over the life of the loan. However, your monthly payment would be $2,641 instead of $2,025 — an increase of $616 per month.
Calculate Your Hastings-on-Hudson Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Hastings-on-Hudson
What are the current mortgage rates in Hastings-on-Hudson, NY?
As of March 2026, the average 30-year fixed mortgage rate in Hastings-on-Hudson, New York is 6.68%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Hastings-on-Hudson?
Based on the median home price of $393,000 with 20% down, the estimated monthly mortgage payment in Hastings-on-Hudson is $2,025 for principal and interest. Including property taxes of $560/month, the total monthly housing cost is approximately $2,585.
What income do I need to buy a home in Hastings-on-Hudson?
Using the 28% rule, you would need an annual income of approximately $110,786 to afford the median-priced home in Hastings-on-Hudson at $393,000. The median household income in Hastings-on-Hudson is $60,900. This means most households would need to either earn above the median or consider homes below $393,000.
Is Hastings-on-Hudson a good place to buy a home in 2026?
Hastings-on-Hudson has a higher cost of living than average with a cost of living index of 127.2 (national average = 100). The property tax rate in New York is 1.71%, which is above the national average. Hastings-on-Hudson has a population of 7,849 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Hastings-on-Hudson, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.