Newburgh, New York.
Typical home $404,050 (+4.3% in a year), asking rent $1,939 (+2.2%). Poughkeepsie-Newburgh-Middletown, NY metro.
to buy the typical home at today's mortgage rate — +$247 (+13%) since Jan 2024.
- 1 year
- Up $16,806 +4%
- $387,243$404,050 since Sep 2025
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Newburgh$2,121
- New York$2,755
- United States$1,922
Typical home values in Newburgh, NY rose 4.3% over the past year — faster than the nation's +1.2%.
Asking rents in Newburgh, NY rose 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Newburgh runs $1,351/mo more than renting one — the widest that gap has been in this data.
That is $3,291 a month against $1,939 rent: a $2,121 mortgage payment, plus $737 property tax and $433 insurance & upkeep.
Owning vs renting — Newburgh
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,291
- Renting$1,939
- Mortgage only$2,121
Property tax · $737/mo 2.19% of value a year — the ACS 2020-2024 median bill over the median home value for Orange County, NY
Insurance & upkeep · $433/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Newburgh, Orange County, New York
Newburgh is a city of 28,856 people in Orange County. Half its households earn more than $56,960 a year and half less, against $97,178 across Orange County; 24% of its people live below the poverty line. 35% of its homes are lived in by their owners and 65% are rented. Unemployment in Newburgh was 5.3% in August 2026, and Orange County had 0.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Newburgh is a small city on the Hudson River, and its residents are younger than in many American towns. Most households rent their homes, and incomes run well below the county's, with a larger share of people living below the poverty line than is typical. Winters are cold and snowy, summers are warm, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in the building trades. Among the largest workplaces in Newburgh are the Newburgh City School District, St. Lukes Cornwall Hospital and Mount Saint Mary College. Fewer adults hold a four-year degree than is usual, a typical commute is a moderate one, and some people work from home.
Things to do. Downing Park is a park in or beside town, and Dia Beacon is a museum in or beside town. A short drive away are the Storm King Art Center, a museum, and Clarence Fahnestock State Park, a protected area. The creeks that run through town, Quassaick Creek and Fishkill Creek, are there to explore as well.
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- 10,493households
- 20%of adults have a degree
- 24%below the poverty line
- 26 mintypical commute
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. Orange County had 154,905 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 36° and lows near 16°; warmest in July, with highs near 85° and lows near 61°. About 44 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Walden Ese weather station, 8 miles away (NOAA).
Largest workplaces in Newburgh
- Newburgh City School DistrictSchool district1,723FTE
- St. Lukes Cornwall HospitalGeneral hospital1,049FTE
- Independent Home CareHome care of elderly, medical480
- Mount Saint Mary CollegeUniversity or college455
- A&P Coat, Apron and LinenLaundry services, linen supply232
- Independent LivingIndividual and family social services, multi-purpose148
- MR Design and PackagingCosmetic kit assembling and packaging services134
- Perreca Electric CompanyLow voltage electrical work100
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 14 workplaces with 20 or more staff, 1,546 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Newburgh’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Orange County and the Poughkeepsie-Newburgh-Middletown, NY metro.
Newburgh home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Newburgh$404,050
- New York$524,942
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 6 Newburgh listings, and the typical home goes pending in 46 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Newburgh16.20%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Newburgh46
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Newburgh127
New listings per month
Sellers arriving at the market.
- Newburgh35
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Newburgh101.42%
Zip codes with a Newburgh address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Newburgh — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.