Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$451,636+3.6% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$97,905About 1.1× the local median income ($85,977): a stretch for a typical household
Days on market64 daysAbout the same pace as a year ago
Next 12 months+2.5%Zillow expects prices to rise slightly
The typical home in Ulster County, NY is worth $451,636, up 3.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $379,188, so the area is 19.1% overvalued. It is a balanced market, leaning toward buyers: homes take about 64 days to sell, listings are up 11% from a year ago, 17% of listings have had a price cut. Zillow expects prices to rise about 2.5% over the next year. A household needs about $97,905 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $85,977. Typical rent is $2,015 a month, or $2,717 for a house. In the latest IRS figures, 279 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$451,636
Change in 1 year
+3.6%
Overvalued %
+19.1%
Show 7 more
Fair home value
$379,188
Change in 5 years
+34.3%
Zillow forecast, next 12 months
+2.5%
Home value to income
5.3×
Monthly mortgage payment (20% down)
$2,448
Income needed to afford it
$97,905
Property tax rate
1.77%
Rent and investing
Typical rent
$2,015
Typical rent for houses
$2,717
Price-to-rent ratio
18.7×
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HUD Fair Market Rent, 2 bedrooms
$1,878
Gross rental yield
5.35%
Cap rate (estimate)
3.48%
Market activity
Listings vs a year ago
+11.1%
Days on market
64
Listings with a price cut
17.0%
Show 3 more
Homes for sale
773
Pending sales per 100 listings
37
Asking price per sq ft
$315
People and jobs
Median household income
$85,977
Population change (1 year)
+0.1%
Unemployment rate
5.4%
Show 4 more
Population
183,330
Income adjusted for cost of living
$85,379
Net moves in (IRS)
+279
Cost of living (US = 100)
100.7
Schools, risk and environment
School rating (1 to 10)
4.4
FEMA hazard risk score (0 to 100)
87.7
Flood risk score
91.9
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Wildfire risk score
52.9
Walkability (1 to 20)
6.3
Road, rail and air noise
53 dB
Questions people ask
Is Ulster County, NY overvalued?
Home prices in Ulster County, NY are well above what local incomes have historically supported: fair value is about $379,188, so the area is 19.1% overvalued.
Is Ulster County, NY a buyer's or seller's market?
Ulster County, NY is a balanced market, leaning toward buyers: homes take about 64 days to sell, listings are up 11% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Ulster County, NY?
Home values in Ulster County, NY are up 3.6% over the last year. Zillow's forecast for the next 12 months is +2.5%.
How much do you need to earn to buy a home in Ulster County, NY?
A household needs about $97,905 a year to afford the typical home in Ulster County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $85,977.