Mortgage Rates in New York — April 2026
Compare current mortgage rates across 155 cities in New York. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.
6.71%
Avg 30-Year Fixed
5.95%
Avg 15-Year Fixed
$374,961
Avg Home Price
$1,941/mo
Avg Monthly Payment
New York Housing Highlights
All 155 Cities in New York
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| New York | 6.6% | $680,000 | $3,474 | 8,336,817 |
| Oyster Bay | 6.68% | $540,000 | $2,782 | 293,214 |
| Buffalo | 6.6% | $175,000 | $894 | 278,349 |
| North Hempstead | 6.82% | $550,000 | $2,874 | 237,610 |
| Babylon | 6.77% | $474,000 | $2,465 | 213,234 |
| Yonkers | 6.6% | $545,000 | $2,785 | 211,569 |
| Rochester | 6.6% | $135,000 | $690 | 211,328 |
| Huntington | 6.8% | $567,000 | $2,957 | 203,264 |
| Syracuse | 6.6% | $135,000 | $690 | 148,620 |
| Ramapo | 6.85% | $510,000 | $2,673 | 142,368 |
| Amherst | 6.66% | $460,000 | $2,365 | 126,082 |
| Smithtown | 6.78% | $454,000 | $2,363 | 117,801 |
| Albany | 6.6% | $215,000 | $1,098 | 99,224 |
| Greece | 6.79% | $442,000 | $2,303 | 96,095 |
| Clarkstown | 6.89% | $469,000 | $2,469 | 86,855 |
| Colonie | 6.67% | $404,000 | $2,079 | 81,591 |
| New Rochelle | 6.6% | $625,000 | $3,193 | 79,726 |
| Mount Vernon | 6.61% | $422,000 | $2,158 | 73,893 |
| Cheektowaga | 6.75% | $427,000 | $2,216 | 73,536 |
| Tonawanda | 6.85% | $455,000 | $2,385 | 72,795 |
| Schenectady | 6.6% | $175,000 | $894 | 67,878 |
| Bay Ridge | 6.85% | $490,000 | $2,569 | 64,000 |
| Brentwood | 6.67% | $438,000 | $2,254 | 62,376 |
| Utica | 6.64% | $453,000 | $2,324 | 62,235 |
| Clay | 6.86% | $452,000 | $2,372 | 58,805 |
| White Plains | 6.86% | $497,000 | $2,608 | 58,327 |
| Hamburg | 6.7% | $425,000 | $2,194 | 56,936 |
| Hempstead | 6.82% | $400,000 | $2,090 | 55,361 |
| Levittown | 6.61% | $426,000 | $2,179 | 51,881 |
| Troy | 6.9% | $474,000 | $2,497 | 51,401 |
| Irondequoit | 6.66% | $485,000 | $2,493 | 50,450 |
| Lansing | 6.73% | $245,000 | $1,269 | 49,498 |
| Amsterdam | 6.6% | $305,000 | $1,558 | 49,486 |
| Niagara Falls | 6.66% | $395,000 | $2,031 | 48,671 |
| Binghamton | 6.61% | $441,000 | $2,256 | 47,969 |
| West Seneca | 6.74% | $419,000 | $2,172 | 44,711 |
| Pelham | 6.63% | $335,000 | $1,717 | 44,042 |
| Hicksville | 6.87% | $374,000 | $1,965 | 43,719 |
| Freeport | 6.78% | $377,000 | $1,962 | 43,713 |
| West Babylon | 6.89% | $448,000 | $2,358 | 43,213 |
| Lancaster | 6.71% | $407,000 | $2,103 | 41,604 |
| Cazenovia | 6.67% | $275,000 | $1,415 | 39,670 |
| Islip | 6.84% | $385,000 | $2,016 | 39,233 |
| Coram | 6.62% | $464,000 | $2,376 | 39,113 |
| Penfield | 6.77% | $406,000 | $2,111 | 38,390 |
| Valley Stream | 6.84% | $413,000 | $2,163 | 37,659 |
| East Meadow | 6.9% | $462,000 | $2,434 | 37,472 |
| East Rochester | 6.75% | $440,000 | $2,283 | 37,215 |
| Brighton | 6.65% | $430,000 | $2,208 | 37,137 |
| Guilderland | 6.8% | $449,000 | $2,342 | 37,023 |
| Commack | 6.61% | $444,000 | $2,271 | 36,585 |
| Elmont | 6.87% | $397,000 | $2,085 | 36,419 |
| Central Islip | 6.72% | $406,000 | $2,100 | 35,921 |
| Riverhead | 6.72% | $456,000 | $2,359 | 35,845 |
| Kiryas Joel | 6.75% | $450,000 | $2,335 | 35,810 |
| Hudson Falls | 6.75% | $305,000 | $1,583 | 35,616 |
| Long Beach | 6.73% | $448,000 | $2,320 | 34,073 |
| Ilion | 6.81% | $420,000 | $2,193 | 33,683 |
| North Bellmore | 6.76% | $210,000 | $1,091 | 33,412 |
| Huntington Station | 6.65% | $396,000 | $2,034 | 33,029 |
| Ithaca | 6.62% | $345,000 | $1,767 | 32,829 |
| Sayville | 6.73% | $275,000 | $1,424 | 32,751 |
| Clyde | 6.69% | $350,000 | $1,805 | 32,730 |
| Spring Valley | 6.84% | $384,000 | $2,011 | 32,603 |
| Mexico | 6.72% | $310,000 | $1,604 | 31,734 |
| Centereach | 6.72% | $449,000 | $2,323 | 31,578 |
| Jordan | 6.74% | $225,000 | $1,166 | 30,915 |
| Poughkeepsie | 6.73% | $386,000 | $1,999 | 30,515 |
| North Tonawanda | 6.86% | $371,000 | $1,947 | 30,392 |
| Avoca | 6.65% | $250,000 | $1,284 | 30,277 |
| Walton | 6.86% | $310,000 | $1,627 | 29,779 |
| Port Chester | 6.79% | $444,000 | $2,313 | 29,600 |
| Pittsford | 6.66% | $448,000 | $2,303 | 29,405 |
| Williamson | 6.82% | $325,000 | $1,698 | 29,400 |
| Lacey | 6.84% | $437,000 | $2,288 | 29,252 |
| Saratoga Springs | 6.49% | $425,000 | $2,146 | 29,165 |
| Harrison | 6.67% | $387,000 | $1,992 | 29,132 |
| Newburgh | 6.63% | $373,000 | $1,912 | 28,856 |
| Jamestown | 6.86% | $462,000 | $2,424 | 28,712 |
| Middletown | 6.82% | $446,000 | $2,331 | 28,584 |
| Springville | 6.77% | $340,000 | $1,768 | 28,351 |
| West Islip | 6.66% | $407,000 | $2,092 | 28,335 |
| Syosset | 6.64% | $420,000 | $2,155 | 27,764 |
| Deer Park | 6.67% | $434,000 | $2,234 | 27,745 |
| Yorktown Heights | 6.78% | $310,000 | $1,613 | 27,735 |
| Hamilton | 6.64% | $285,000 | $1,462 | 27,725 |
| Herkimer | 6.63% | $490,000 | $2,511 | 27,412 |
| Lindenhurst | 6.65% | $462,000 | $2,373 | 27,253 |
| Glen Cove | 6.72% | $425,000 | $2,198 | 27,203 |
| Ossining | 6.65% | $445,000 | $2,285 | 26,570 |
| Bay Shore | 6.63% | $412,000 | $2,112 | 26,337 |
| Elmira | 6.14% | $95,000 | $463 | 26,242 |
| Farmingdale | 6.73% | $375,000 | $1,942 | 25,853 |
| Webster | 6.7% | $280,000 | $1,445 | 25,370 |
| Ticonderoga | 6.82% | $415,000 | $2,169 | 25,142 |
| Watertown | 6.57% | $155,000 | $790 | 24,826 |
| Mount Morris | 6.71% | $300,000 | $1,550 | 24,663 |
| Alfred | 6.67% | $415,000 | $2,136 | 24,385 |
| Peekskill | 6.79% | $349,000 | $1,818 | 24,229 |
| Kingston | 6.5% | $345,000 | $1,744 | 23,417 |
| Copiague | 6.75% | $435,000 | $2,257 | 23,289 |
| Lewiston | 6.77% | $405,000 | $2,106 | 23,067 |
| Lima | 6.82% | $295,000 | $1,542 | 22,755 |
| Gates | 6.77% | $360,000 | $1,872 | 22,472 |
| Garden City | 6.88% | $375,000 | $1,972 | 22,371 |
| Uniondale | 6.88% | $427,000 | $2,245 | 22,350 |
| Speculator | 6.72% | $325,000 | $1,681 | 22,069 |
| Oxford | 6.89% | $375,000 | $1,974 | 21,892 |
| Massapequa | 6.71% | $374,000 | $1,933 | 21,685 |
| Margaretville | 6.73% | $330,000 | $1,709 | 21,513 |
| East Hampton | 6.72% | $400,000 | $2,069 | 21,457 |
| Massapequa Park | 6.83% | $255,000 | $1,334 | 20,961 |
| Lockport | 6.68% | $421,000 | $2,169 | 20,529 |
| Elbridge | 6.62% | $475,000 | $2,432 | 20,483 |
| East Northport | 6.66% | $393,000 | $2,020 | 20,217 |
| Plattsburgh | 6.79% | $195,000 | $1,016 | 19,989 |
| West Hempstead | 6.76% | $406,000 | $2,109 | 19,536 |
| Mamaroneck | 6.86% | $363,000 | $1,905 | 19,427 |
| South Farmingdale | 6.78% | $310,000 | $1,613 | 19,374 |
| Kinderhook | 6.79% | $380,000 | $1,980 | 19,331 |
| Lyons | 6.73% | $425,000 | $2,201 | 19,314 |
| Mineola | 6.87% | $388,000 | $2,038 | 19,234 |
| Lake Ronkonkoma | 6.76% | $255,000 | $1,324 | 19,063 |
| Highland Falls | 6.84% | $250,000 | $1,309 | 18,975 |
| Dolgeville | 6.89% | $355,000 | $1,869 | 18,872 |
| New Hyde Park | 6.89% | $280,000 | $1,474 | 18,754 |
| Cortland | 6.7% | $145,000 | $748 | 18,740 |
| Oriskany | 6.73% | $360,000 | $1,864 | 18,438 |
| Oswego | 6.17% | $145,000 | $708 | 17,432 |
| Rye | 6.8% | $354,000 | $1,846 | 16,264 |
| Westbury | 6.65% | $432,000 | $2,219 | 15,146 |
| Glens Falls | 6.37% | $195,000 | $972 | 14,693 |
| Oneonta | 6.79% | $165,000 | $860 | 13,901 |
| Geneva | 6.23% | $185,000 | $909 | 12,720 |
| Patchogue | 6.75% | $397,000 | $2,060 | 12,621 |
| Haverstraw | 6.78% | $420,000 | $2,186 | 12,128 |
| Dunkirk | 6.64% | $410,000 | $2,103 | 12,000 |
| Tarrytown | 6.82% | $402,000 | $2,101 | 11,277 |
| Lake Grove | 6.73% | $344,000 | $1,781 | 11,163 |
| Dobbs Ferry | 6.66% | $417,000 | $2,144 | 11,066 |
| Oneida | 6.72% | $425,000 | $2,198 | 10,948 |
| Canandaigua | 6.78% | $245,000 | $1,275 | 10,857 |
| Fredonia | 6.63% | $392,000 | $2,009 | 10,766 |
| Great Neck | 6.77% | $411,000 | $2,137 | 10,724 |
| Corning | 6.69% | $155,000 | $800 | 10,695 |
| Massena | 6.63% | $388,000 | $1,989 | 10,372 |
| Sleepy Hollow | 6.63% | $388,000 | $1,989 | 10,089 |
| Hornell | 6.01% | $85,000 | $408 | 8,304 |
| Manhasset | 6.6% | $392,000 | $2,003 | 8,080 |
| Port Jefferson | 6.84% | $370,000 | $1,938 | 7,966 |
| Hastings-on-Hudson | 6.68% | $393,000 | $2,025 | 7,849 |
| Tuckahoe | 6.68% | $363,000 | $1,870 | 6,556 |
| Bronxville | 6.64% | $374,000 | $1,919 | 6,323 |
| Larchmont | 6.86% | $364,000 | $1,910 | 6,181 |
| Wappingers Falls | 6.77% | $389,000 | $2,023 | 5,522 |
New York Mortgage Rates Guide — 2026
New York homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $374,961. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,941.
The most affordable city for homebuyers in New York is Hornell, where the median home price is $85,000. On the other end, New York has the highest prices at $680,000. Property tax rates across the state average 1.71%.
To comfortably afford a home at the state average price, a household income of approximately $83,186 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — New York Mortgages
What are current mortgage rates in New York?
As of April 2026, the average 30-year fixed mortgage rate in New York is 6.71% and the 15-year fixed rate averages 5.95%. Rates vary by city, lender, and borrower qualification.
What is the average home price in New York?
The median home price across 155 cities in New York is $374,961. Prices range from $85,000 in Hornell to $680,000 in New York.
How much income do I need to buy a house in New York?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $83,186 to comfortably afford the average home in New York. The median household income in the state is approximately $66,054.
New York Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in New York. Rates can vary by neighborhood based on local property values and lending conditions.
ZIP 10061
New York | 6.63% | $675,751
ZIP 10003
New York | 6.6% | $684,224
ZIP 10001
New York | 6.68% | $685,282
ZIP 10053
New York | 6.65% | $702,877
ZIP 10020
New York | 6.63% | $707,217
ZIP 10057
New York | 6.59% | $696,126
ZIP 10030
New York | 6.68% | $694,381
ZIP 10008
New York | 6.61% | $673,671
ZIP 10004
New York | 6.6% | $699,896
ZIP 10060
New York | 6.68% | $693,510
ZIP 10002
New York | 6.62% | $687,662
ZIP 10037
New York | 6.63% | $650,770
ZIP 10048
New York | 6.57% | $682,243
ZIP 10075
New York | 6.59% | $654,122
ZIP 10066
New York | 6.54% | $704,748
ZIP 11223
Brooklyn | 6.65% | $337,078
ZIP 10025
New York | 6.68% | $660,507
ZIP 11211
Brooklyn | 6.61% | $348,385
ZIP 10068
New York | 6.57% | $650,871
ZIP 10049
New York | 6.56% | $712,399
ZIP 10054
New York | 6.69% | $709,970
ZIP 11205
Brooklyn | 6.67% | $360,658
ZIP 10076
New York | 6.62% | $668,488
ZIP 10080
New York | 6.63% | $682,810
ZIP 10028
New York | 6.55% | $679,083
ZIP 11220
Brooklyn | 6.72% | $362,097
ZIP 10012
New York | 6.64% | $710,874
ZIP 11106
Queens | 6.68% | $335,636
ZIP 11215
Brooklyn | 6.63% | $364,679
ZIP 10063
New York | 6.53% | $684,342
ZIP 11112
Queens | 6.69% | $339,551
ZIP 11224
Brooklyn | 6.73% | $360,510
ZIP 10065
New York | 6.58% | $686,640
ZIP 11107
Queens | 6.75% | $358,974
ZIP 10022
New York | 6.54% | $646,351
ZIP 10018
New York | 6.54% | $674,316
ZIP 10044
New York | 6.56% | $657,307
ZIP 10007
New York | 6.62% | $653,329
ZIP 11201
Brooklyn | 6.64% | $352,870
ZIP 11116
Queens | 6.74% | $341,318
ZIP 11206
Brooklyn | 6.62% | $350,606
ZIP 10460
Bronx | 6.6% | $334,693
ZIP 11117
Queens | 6.72% | $363,837
ZIP 10073
New York | 6.52% | $709,408
ZIP 10013
New York | 6.58% | $707,368
ZIP 11115
Queens | 6.72% | $334,236
ZIP 10016
New York | 6.52% | $679,412
ZIP 11207
Brooklyn | 6.68% | $339,860
ZIP 11214
Brooklyn | 6.66% | $345,569
ZIP 11104
Queens | 6.62% | $365,398
ZIP 10019
New York | 6.6% | $702,688
ZIP 11230
Brooklyn | 6.63% | $659,816
ZIP 11226
Brooklyn | 6.65% | $655,729
ZIP 10033
New York | 6.53% | $679,584
ZIP 10069
New York | 6.62% | $709,367
ZIP 10046
New York | 6.65% | $665,929
ZIP 10042
New York | 6.69% | $676,103
ZIP 10072
New York | 6.55% | $650,475
ZIP 10043
New York | 6.61% | $658,514
ZIP 11202
Brooklyn | 6.6% | $713,465
ZIP 10031
New York | 6.59% | $699,161
ZIP 11208
Brooklyn | 6.66% | $646,006
ZIP 11216
Brooklyn | 6.6% | $673,335
ZIP 10078
New York | 6.65% | $682,477
ZIP 11218
Brooklyn | 6.53% | $685,719
ZIP 10459
Bronx | 6.5% | $713,227
ZIP 10451
Bronx | 6.68% | $655,768
ZIP 11120
Queens | 6.67% | $698,283
ZIP 10455
Bronx | 6.63% | $654,433
ZIP 10039
New York | 6.63% | $704,605
ZIP 11114
Queens | 6.5% | $708,113
ZIP 11111
Queens | 6.68% | $654,585
ZIP 10079
New York | 6.58% | $666,716
ZIP 11210
Brooklyn | 6.51% | $693,125
ZIP 10041
New York | 6.51% | $666,568
ZIP 11222
Brooklyn | 6.61% | $667,103
ZIP 10047
New York | 6.67% | $661,810
ZIP 10051
New York | 6.57% | $679,152
ZIP 10005
New York | 6.54% | $709,817
ZIP 10009
New York | 6.65% | $649,255
ZIP 10306
Staten Island | 6.63% | $667,333
ZIP 10034
New York | 6.64% | $646,392
ZIP 10062
New York | 6.55% | $686,642
ZIP 10006
New York | 6.61% | $674,480
ZIP 10303
Staten Island | 6.59% | $669,843
ZIP 10029
New York | 6.58% | $657,640
ZIP 11105
Queens | 6.69% | $692,703
ZIP 10017
New York | 6.66% | $666,263
ZIP 11229
Brooklyn | 6.67% | $693,295
ZIP 11119
Queens | 6.64% | $700,444
ZIP 10056
New York | 6.64% | $693,937
ZIP 10014
New York | 6.58% | $706,074
ZIP 10458
Bronx | 6.57% | $658,959
ZIP 10040
New York | 6.53% | $707,638
ZIP 10015
New York | 6.66% | $651,602
ZIP 10059
New York | 6.53% | $650,678
ZIP 10701
Yonkers | 6.56% | $549,832
ZIP 10064
New York | 6.59% | $704,736
ZIP 11213
Brooklyn | 6.5% | $695,525
ZIP 10067
New York | 6.57% | $686,891
ZIP 10457
Bronx | 6.56% | $658,012
ZIP 10021
New York | 6.69% | $709,611
ZIP 10036
New York | 6.67% | $705,165
ZIP 10301
Staten Island | 6.56% | $661,028
ZIP 10011
New York | 6.54% | $695,898
ZIP 10038
New York | 6.65% | $695,738
ZIP 10023
New York | 6.63% | $666,015
ZIP 10050
New York | 6.69% | $706,906
ZIP 10703
Yonkers | 6.69% | $534,139
ZIP 10026
New York | 6.6% | $700,923
ZIP 10071
New York | 6.67% | $665,014
ZIP 10074
New York | 6.56% | $659,810
ZIP 10464
Bronx | 6.63% | $674,089
ZIP 10302
Staten Island | 6.55% | $677,288
ZIP 10456
Bronx | 6.52% | $662,241
ZIP 11228
Brooklyn | 6.54% | $708,734
ZIP 10032
New York | 6.64% | $656,386
ZIP 10045
New York | 6.6% | $665,353
ZIP 11204
Brooklyn | 6.66% | $667,974
ZIP 14204
Buffalo | 6.6% | $182,753
ZIP 11221
Brooklyn | 6.68% | $669,714
ZIP 10024
New York | 6.65% | $662,846
ZIP 11110
Queens | 6.56% | $694,876
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