Mortgage Rates in Hastings-on-Hudson, New York — April 2026
Updated April 2026 | Based on Hastings-on-Hudson market data and regional lending conditions
Hastings-on-Hudson is a smaller New York community of 7,849 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.68% (0.59% above the national average). The median home price of $393,000 translates to roughly $2,585/month with 20% down — requiring an income of about $110,786, which exceeds the local median of $60,900.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In Hastings-on-Hudson, NY, the current 30-year rate is 6.68%. Shorter terms (15-year fixed at 5.93% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.46%) and VA loans (6.21%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in Hastings-on-Hudson, NY
Below are the current average mortgage rates available in the Hastings-on-Hudson area as of April 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% | 6.09% | +0.59% |
| 15-Year Fixed | 5.93% | 5.58% | +0.35% |
| 5/1 ARM | 6.21% | 5.95% | +0.26% |
| FHA | 6.46% | 5.85% | +0.61% |
| VA | 6.21% | 5.65% | +0.56% |
| Jumbo | 6.93% | 6.25% | +0.68% |
Hastings-on-Hudson Housing Market Overview
Housing in Hastings-on-Hudson sits near the national average at $393,000. With a median household income of $60,900 and a cost of living index of 127.2, some buyers may need to look at lower price points or consider larger down payments.
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
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 Hastings-on-Hudson
What are the current mortgage rates in Hastings-on-Hudson, NY?
As of April 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 0.59% above the national average of 6.09%.
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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📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for New York regional spread.
- Median home price: $393,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 1.71% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $60,900 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 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.