Ulster County, New York Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Ulster County, New York.
2026 Loan Limits in Ulster County
| Property Type | Conforming | FHA |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot - Ulster County, New York
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Ulster County
Jump into ZIP-level market pages for this county.
- 12401
- 12404
- 12406
- 12409
- 12410
- 12411
- 12412
- 12416
- 12417
- 12419
- 12420
- 12428
- 12429
- 12432
- 12433
- 12435
- 12440
- 12441
- 12443
- 12446
- 12448
- 12449
- 12453
- 12455
- 12456
- 12457
- 12458
- 12461
- 12463
- 12464
- 12465
- 12466
- 12471
- 12472
- 12475
- 12477
- 12480
- 12481
- 12483
- 12484
- 12486
- 12487
- 12489
- 12490
- 12491
- 12493
- 12494
- 12495
- 12498
- 12515
- 12525
- 12528
- 12542
- 12547
- 12548
- 12561
- 12566
- 12589
- 12725
- 12740
- 12758
- 12763
- 12789