Mortgage Rates in Huntington, New York — March 2026
Updated March 2026 | Based on Huntington market data and regional lending conditions
Huntington is a mid-sized city in New York with a population of 203,264. The current 30-year fixed mortgage rate in Huntington is 6.8%, which is 0.15% above the national average. With a median home price of $567,000 and a 20% down payment of $113,400, homebuyers can expect a monthly principal and interest payment of approximately $2,957.
Current Mortgage Rates in Huntington, NY
Below are the current average mortgage rates available in the Huntington 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 | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Huntington Housing Market Overview
The Huntington housing market is competitive with prices well above the national median. The median household income in Huntington is $71,400, and the cost of living index is 135.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $163,200 to comfortably afford the median-priced home in Huntington, which exceeds the current median household income.
Monthly Payment Breakdown for Huntington
Based on the median home price of $567,000 with 20% down ($113,400), here is what you can expect to pay monthly in Huntington:
15-Year vs. 30-Year Mortgage in Huntington
Choosing a 15-year mortgage in Huntington at 6.03% instead of a 30-year at 6.8% would save you $374,220 in total interest over the life of the loan. However, your monthly payment would be $3,835 instead of $2,957 — an increase of $878 per month.
Calculate Your Huntington 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 Huntington
What are the current mortgage rates in Huntington, NY?
As of March 2026, the average 30-year fixed mortgage rate in Huntington, New York is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Huntington?
Based on the median home price of $567,000 with 20% down, the estimated monthly mortgage payment in Huntington is $2,957 for principal and interest. Including property taxes of $851/month, the total monthly housing cost is approximately $3,808.
What income do I need to buy a home in Huntington?
Using the 28% rule, you would need an annual income of approximately $163,200 to afford the median-priced home in Huntington at $567,000. The median household income in Huntington is $71,400. This means most households would need to either earn above the median or consider homes below $567,000.
Is Huntington a good place to buy a home in 2026?
Huntington has a higher cost of living than average with a cost of living index of 135.6 (national average = 100). The property tax rate in New York is 1.8%, which is above the national average. Huntington has a population of 203,264 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 Huntington, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.