KINGSTON Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Kingston averaged
6.61%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.86% and
one month ago for the week of 2025-06-05, the
average rate was 6.74%.
Kingston's average rate one year ago was 7.14%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.37%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Kingston 30 Year Fixed Rate | 2025-07-10 | 6.61% |
| Kingston 30 Year Fixed Rate Refi | 2025-07-10 | 7.37% |
| Kingston 15 Year Fixed Rate | 2025-07-10 | 5.76% |
| Kingston 15 Year Fixed Rate Refi | 2025-07-10 | 6.36% |
| Kingston 30 Year FHA | 2025-07-10 | 6.61% |
| Kingston 30 Year FHA Refi | 2025-07-10 | 6.62% |
| Kingston 30 Year USDA | 2025-07-10 | 6.65% |
| Kingston 30 Year USDA Refi | 2025-07-10 | 6.65% |
| Kingston 30 Year VA | 2025-07-10 | 6.17% |
| Kingston 30 Year VA Refi | 2025-07-10 | 6.37% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within KINGSTON, NY.
KINGSTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the KINGSTON, NY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
KINGSTON Average Closing Costs & Other Stats
KINGSTON, NY's 104 lenders originated 2,701
loans during 2024. The total origination value was $825,385,000, with an average loan value of
$305,585.
KINGSTON's average closing costs are $5,893.
The top KINGSTON lender as defined by loan originations is Ulster Savings Bank, with
132 loans originated. Their average total fees are
$5,502, which is $704
higher than the next largest lender,
HOMESTEAD FUNDING CORP..
The lowest fee KINGSTON lenders (with over 10 loans originated) are
HUDSON VALLEY CREDIT UNION ($4,210), Rhinebeck Bank ($4,233), Premium Mortgage Corporation ($4,261), HOMESTEAD FUNDING CORP. ($4,799) and KeyBank ($4,935).
The lowest rate KINGSTON lenders (with over 10 loans originated) are
Wells Fargo Bank (6.08%), Citibank (6.16%), HUDSON VALLEY CREDIT UNION (6.33%), Bank of America (6.37%) and MID-HUDSON VALLEY (6.46%).
KINGSTON, NY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Ulster Savings Bank | $72,325,000 | $64,290,000 | -11.1% | 7.8% |
| HOMESTEAD FUNDING CORP. | $40,770,000 | $49,840,000 | 22.2% | 6.0% |
| READYCAP COMMERCIAL, LLC | $48,005,000 | n/a | 5.8% | |
| HUDSON VALLEY CREDIT UNION | $38,600,000 | $46,960,000 | 21.7% | 5.7% |
| QUICKEN LOANS, LLC | $37,925,000 | $44,325,000 | 16.9% | 5.4% |
| MID-HUDSON VALLEY | $31,375,000 | $33,735,000 | 7.5% | 4.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $24,990,000 | $32,820,000 | 31.3% | 4.0% |
| M&T Bank | $10,245,000 | $31,170,000 | 204.2% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $20,210,000 | $29,095,000 | 44.0% | 3.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $11,900,000 | $19,080,000 | 60.3% | 2.3% |
| JPMorgan Chase Bank | $21,705,000 | $18,945,000 | -12.7% | 2.3% |
| Citizens Bank | $15,835,000 | $18,445,000 | 16.5% | 2.2% |
| Wallkill Valley Federal Savings and Loan Association | $18,910,000 | $17,015,000 | -10.0% | 2.1% |
| Bank of America | $14,510,000 | $15,650,000 | 7.9% | 1.9% |
| HUDSON HERITAGE | $16,995,000 | $15,155,000 | -10.8% | 1.8% |
| Rondout Savings Bank | $35,450,000 | $14,315,000 | -59.6% | 1.7% |
| Webster Bank | $520,000 | $14,290,000 | 2,648.1% | 1.7% |
| TD Bank | $7,270,000 | $14,035,000 | 93.1% | 1.7% |
| Valley National Bank | $7,165,000 | $12,660,000 | 76.7% | 1.5% |
| NEWREZ LLC | $4,735,000 | $11,565,000 | 144.2% | 1.4% |
| Amalgamated Bank | $11,005,000 | n/a | 1.3% | |
| M&T Realty Capital Corporation | $10,090,000 | n/a | 1.2% | |
| Sawyer Savings Bank | $17,430,000 | $9,940,000 | -43.0% | 1.2% |
| NBT Bank | $2,080,000 | $9,750,000 | 368.8% | 1.2% |
| Citibank | $14,320,000 | $9,535,000 | -33.4% | 1.2% |
| LOANDEPOT.COM, LLC | $7,195,000 | $8,780,000 | 22.0% | 1.1% |
| Walden Savings Bank | $12,445,000 | $8,380,000 | -32.7% | 1.0% |
| Wells Fargo Bank | $13,340,000 | $8,265,000 | -38.0% | 1.0% |
| Rhinebeck Bank | $11,060,000 | $7,450,000 | -32.6% | 0.9% |
| Merchants Capital Corp. | $5,735,000 | n/a | 0.7% | |
| GUARANTEED RATE, INC. | $5,995,000 | $5,625,000 | -6.2% | 0.7% |
| KeyBank | $12,950,000 | $5,470,000 | -57.8% | 0.7% |
| Morgan Stanley Private Bank | $3,355,000 | $5,105,000 | 52.2% | 0.6% |
| The Bank of Greene County | $5,390,000 | $5,075,000 | -5.8% | 0.6% |
| Premium Mortgage Corporation | $4,965,000 | n/a | 0.6% | |
| Mortgage Research Center, LLC | $3,140,000 | $4,215,000 | 34.2% | 0.5% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $3,290,000 | $3,705,000 | 12.6% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $4,625,000 | $3,665,000 | -20.8% | 0.4% |
| Prosperity Home Mortgage, LLC | $1,135,000 | $3,610,000 | 218.1% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $4,795,000 | $3,545,000 | -26.1% | 0.4% |
| NORWICH COMMERCIAL GROUP, INC. | $985,000 | $3,480,000 | 253.3% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $1,930,000 | $3,165,000 | 64.0% | 0.4% |
| Chemung Canal Trust Company | $3,155,000 | n/a | 0.4% | |
| FM Home Loans, LLC | $990,000 | $3,125,000 | 215.7% | 0.4% |
| TrustCo Bank | $10,025,000 | $3,090,000 | -69.2% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $3,455,000 | $2,925,000 | -15.3% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,450,000 | $2,920,000 | -15.4% | 0.4% |
| RELIANCE FIRST CAPITAL, LLC | $1,085,000 | $2,695,000 | 148.4% | 0.3% |
| ARK MORTGAGE, INC. | $905,000 | $2,565,000 | 183.4% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,270,000 | $2,535,000 | 99.6% | 0.3% |
| 1ST PRIORITY MORTGAGE, INC. | $2,495,000 | n/a | 0.3% | |
| SEFCU SERVICES, LLC | $1,870,000 | $2,450,000 | 31.0% | 0.3% |
| U.S. Bank | $3,965,000 | $2,430,000 | -38.7% | 0.3% |
| TEG Federal Credit Union | $3,565,000 | $2,355,000 | -33.9% | 0.3% |
| CLIFFCO, INC. | $1,205,000 | $2,280,000 | 89.2% | 0.3% |
| NP, Inc. | $2,230,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $1,660,000 | $2,225,000 | 34.0% | 0.3% |
| A&D Mortgage LLC | $1,730,000 | $2,220,000 | 28.3% | 0.3% |
| Logan Finance Corporation | $2,580,000 | $2,210,000 | -14.3% | 0.3% |
| East Coast Capital Corp. | $1,240,000 | $2,145,000 | 73.0% | 0.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $185,000 | $1,995,000 | 978.4% | 0.2% |
| NBKC BANK | $1,235,000 | $1,865,000 | 51.0% | 0.2% |
| Charles Schwab Bank, SSB | $1,740,000 | $1,855,000 | 6.6% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $785,000 | $1,830,000 | 133.1% | 0.2% |
| The Federal Savings Bank | $1,575,000 | $1,825,000 | 15.9% | 0.2% |
| USAA Federal Savings Bank | $1,880,000 | $1,825,000 | -2.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $430,000 | $1,790,000 | 316.3% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $2,175,000 | $1,770,000 | -18.6% | 0.2% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $935,000 | $1,695,000 | 81.3% | 0.2% |
| ARC HOME LLC | $395,000 | $1,570,000 | 297.5% | 0.2% |
| BMO Harris Bank | $1,505,000 | n/a | 0.2% | |
| CONSTRUCTIVE LOANS, LLC | $1,500,000 | n/a | 0.2% | |
| CARDINAL FINANCIAL | $295,000 | $1,410,000 | 378.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $3,810,000 | $1,350,000 | -64.6% | 0.2% |
| City National Bank | $6,365,000 | $1,195,000 | -81.2% | 0.1% |
| Wayne Bank | $615,000 | $1,180,000 | 91.9% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $1,015,000 | $1,095,000 | 7.9% | 0.1% |
| Discover Bank | $1,060,000 | $1,045,000 | -1.4% | 0.1% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $930,000 | $1,000,000 | 7.5% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $1,980,000 | $955,000 | -51.8% | 0.1% |
| Provident Bank | $245,000 | $955,000 | 289.8% | 0.1% |
| Municipal Credit Union | $560,000 | $905,000 | 61.6% | 0.1% |
| PLANET HOME LENDING, LLC | $275,000 | $840,000 | 205.5% | 0.1% |
| United Nations Federal Credit Union | $415,000 | $835,000 | 101.2% | 0.1% |
| Hometown Equity Mortgage, LLC | $490,000 | $805,000 | 64.3% | 0.1% |
| PHH Mortgage Corporation | $800,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $770,000 | n/a | 0.1% | |
| UNITED MORTGAGE CORP | $760,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $670,000 | $730,000 | 9.0% | 0.1% |
| First Horizon Bank | $775,000 | $725,000 | -6.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $195,000 | $715,000 | 266.7% | 0.1% |
| WILLIAM RAVEIS MORTGAGE, LLC | $715,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $105,000 | $695,000 | 561.9% | 0.1% |
| Bank-Fund Staff Federal Credit Union | $685,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $665,000 | $675,000 | 1.5% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $670,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $2,150,000 | $660,000 | -69.3% | 0.1% |
| EMBRACE HOME LOANS, INC. | $1,715,000 | $650,000 | -62.1% | 0.1% |
| First Federal Bank | $645,000 | n/a | 0.1% | |
| The Northern Trust Company | $615,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,355,000 | $610,000 | -55.0% | 0.1% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $590,000 | $610,000 | 3.4% | 0.1% |
| PCSB Bank | $605,000 | n/a | 0.1% | |
| SUNMARK FEDERAL CREDIT UNION | $645,000 | $595,000 | -7.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $580,000 | $580,000 | 0.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $970,000 | $580,000 | -40.2% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $925,000 | $575,000 | -37.8% | 0.1% |
| Northpointe Bank | $575,000 | n/a | 0.1% | |
| Ixonia Bank | $570,000 | n/a | 0.1% | |
| INTERSTATE HOME LOAN CENTER, INC. | $560,000 | n/a | 0.1% | |
| HARTFORD FUNDING, LTD. | $460,000 | $540,000 | 17.4% | 0.1% |
| Jeff Bank | $845,000 | $535,000 | -36.7% | 0.1% |
| Farmers Bank & Trust | $515,000 | n/a | 0.1% | |
| TOTAL MORTGAGE SERVICES, LLC | $515,000 | n/a | 0.1% | |
| SELF RELIANCE NY Federal Credit Union | $1,055,000 | $510,000 | -51.7% | 0.1% |
| Equity Prime Mortgage LLC | $505,000 | n/a | 0.1% | |
| Secured Investment Corp. | $495,000 | n/a | 0.1% | |
| PNC Bank | $2,290,000 | $490,000 | -78.6% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $735,000 | $490,000 | -33.3% | 0.1% |
| CMG MORTGAGE, INC. | $1,500,000 | $485,000 | -67.7% | 0.1% |
| Orange Bank &Trust Company | $1,075,000 | $475,000 | -55.8% | 0.1% |
| Empower Federal Credit Union | $455,000 | n/a | 0.1% | |
| NJ LENDERS CORP. | $1,395,000 | $450,000 | -67.7% | 0.1% |
| BNB Bank | $1,715,000 | $445,000 | -74.1% | 0.1% |
| GREENWOOD | $340,000 | $440,000 | 29.4% | 0.1% |
| USAlliance Federal Credit Union | $520,000 | $430,000 | -17.3% | 0.1% |
| Metro City Bank | $115,000 | $420,000 | 265.2% | 0.1% |
| Citadel Servicing Corporation | $570,000 | $405,000 | -28.9% | 0.0% |
| US MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $450,000 | $380,000 | -15.6% | 0.0% |
| BAYPORT FUNDING LLC | $305,000 | $365,000 | 19.7% | 0.0% |
| RBC Bank, (Georgia) | $365,000 | n/a | 0.0% | |
| United Community Bank | $365,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $355,000 | n/a | 0.0% | |
| Bank of England | $165,000 | $315,000 | 90.9% | 0.0% |
| NBH Bank | $315,000 | n/a | 0.0% | |
| The People's Credit Union | $25,000 | $310,000 | 1,140.0% | 0.0% |
| Flagstar Bank, FSB | $830,000 | $305,000 | -63.3% | 0.0% |
| SUMA YONKERS Federal Credit Union | $125,000 | $305,000 | 144.0% | 0.0% |
| MORTGAGE ACCESS CORP. | $295,000 | n/a | 0.0% | |
| Tompkins Trust Company | $665,000 | $285,000 | -57.1% | 0.0% |
| LIMA ONE CAPITAL, LLC | $275,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $265,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $265,000 | n/a | 0.0% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $255,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $245,000 | n/a | 0.0% | |
| Genesee Regional Bank | $225,000 | n/a | 0.0% | |
| GREENWAY MORTGAGE FUNDING CORP. | $305,000 | $225,000 | -26.2% | 0.0% |
| Ally Bank | $775,000 | $215,000 | -72.3% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $425,000 | $215,000 | -49.4% | 0.0% |
| Ballston Spa National Bank | $210,000 | n/a | 0.0% | |
| GREATER ALLIANCE | $165,000 | n/a | 0.0% | |
| First IC Corporation | $155,000 | n/a | 0.0% | |
| NORTHERN CREDIT UNION | $155,000 | n/a | 0.0% | |
| OWNERSCHOICE FUNDING, INCORPORATED | $145,000 | $155,000 | 6.9% | 0.0% |
| Raymond James Bank | $3,685,000 | $155,000 | -95.8% | 0.0% |
| Figure Lending LLC | $105,000 | n/a | 0.0% | |
| DEVELOPER'S MORTGAGE COMPANY | $95,000 | n/a | 0.0% | |
| Nassau Educators Federal Credit Union | $420,000 | $95,000 | -77.4% | 0.0% |
| Community Bank | $1,225,000 | $70,000 | -94.3% | 0.0% |
| Service Federal Credit Union | $55,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $355,000 | $45,000 | -87.3% | 0.0% |
KINGSTON's top lender by overall market share is Ulster Savings Bank, with 7.8% market share. In second place, with 6.0%, is HOMESTEAD FUNDING CORP., having originated $49,840,000 in loans. In third place, with 5.8%, is READYCAP COMMERCIAL, LLC, having originated $48,005,000 in loans. In fourth place, with 5.7%, is HUDSON VALLEY CREDIT UNION, having originated $46,960,000 in loans. In fifth place, with 5.4%, is QUICKEN LOANS, LLC, having originated $44,325,000 in loans.
KINGSTON Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - KINGSTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $270,000 (13.0%) | $448,366 (19.5%) | 1.00 | 1,017 |
| 2018-02-01 | $267,000 (11.3%) | $442,299 (19.4%) | 0.97 | 976 |
| 2018-03-01 | $274,900 (14.8%) | $463,324 (25.6%) | 0.96 | 956 |
| 2018-04-01 | $299,000 (20.1%) | $504,521 (33.3%) | 1.01 | 812 |
| 2018-05-01 | $299,823 (15.3%) | $510,830 (33.9%) | 1.00 | 933 |
| 2018-06-01 | $300,000 (11.5%) | $497,928 (28.2%) | 1.00 | 1,079 |
| 2018-07-01 | $299,900 (11.1%) | $480,424 (18.6%) | 1.00 | 1,079 |
| 2018-08-01 | $304,500 (14.9%) | $474,393 (16.5%) | 1.02 | 1,060 |
| 2018-09-01 | $299,900 (11.9%) | $462,726 (12.0%) | 1.01 | 1,067 |
| 2018-10-01 | $299,900 (10.1%) | $479,881 (13.5%) | 1.02 | 1,059 |
| 2018-11-01 | $299,950 (9.7%) | $490,454 (14.2%) | 1.02 | 1,002 |
| 2018-12-01 | $299,000 (9.9%) | $476,916 (8.4%) | 1.03 | 931 |
| 2019-01-01 | $299,000 (10.7%) | $473,687 (5.7%) | 1.03 | 840 |
| 2019-02-01 | $299,450 (12.2%) | $484,967 (9.7%) | 1.01 | 809 |
| 2019-03-01 | $292,957 (6.6%) | $466,868 (0.8%) | 0.96 | 930 |
| 2019-04-01 | $284,975 (-4.7%) | $437,441 (-13.3%) | 0.90 | 1,127 |
| 2019-05-01 | $286,750 (-4.4%) | $434,845 (-14.9%) | 0.90 | 1,258 |
| 2019-06-01 | $349,000 (16.3%) | $500,475 (0.5%) | 1.09 | 1,000 |
| 2019-07-01 | $342,500 (14.2%) | $489,837 (2.0%) | 1.07 | 1,053 |
| 2019-08-01 | $337,000 (10.7%) | $483,213 (1.9%) | 1.07 | 1,068 |
| 2019-09-01 | $332,500 (10.9%) | $472,171 (2.0%) | 1.06 | 1,091 |
| 2019-10-01 | $327,000 (9.0%) | $463,047 (-3.5%) | 1.06 | 1,097 |
| 2019-11-01 | $324,900 (8.3%) | $463,164 (-5.6%) | 1.07 | 1,043 |
| 2019-12-01 | $324,950 (8.7%) | $469,030 (-1.7%) | 1.08 | 929 |
| 2020-01-01 | $328,450 (9.9%) | $461,464 (-2.6%) | 1.10 | 778 |
| 2020-02-01 | $329,000 (9.9%) | $459,814 (-5.2%) | 1.08 | 731 |
| 2020-03-01 | $344,900 (17.7%) | $474,995 (1.7%) | 1.08 | 784 |
| 2020-04-01 | $347,500 (21.9%) | $488,827 (11.8%) | 1.09 | 763 |
| 2020-05-01 | $349,900 (22.0%) | $500,472 (15.1%) | 1.06 | 700 |
| 2020-06-01 | $359,450 (3.0%) | $499,261 (-0.2%) | 1.06 | 670 |
| 2020-07-01 | $361,250 (5.5%) | $504,182 (2.9%) | 1.05 | 736 |
| 2020-08-01 | $375,000 (11.3%) | $532,638 (10.2%) | 1.07 | 758 |
| 2020-09-01 | $384,900 (15.8%) | $531,634 (12.6%) | 1.10 | 811 |
| 2020-10-01 | $399,000 (22.0%) | $558,968 (20.7%) | 1.14 | 801 |
| 2020-11-01 | $400,000 (23.1%) | $586,008 (26.5%) | 1.17 | 701 |
| 2020-12-01 | $402,500 (23.9%) | $587,939 (25.4%) | 1.20 | 628 |
| 2021-01-01 | $409,450 (24.7%) | $595,685 (29.1%) | 1.22 | 538 |
| 2021-02-01 | $409,000 (24.3%) | $601,276 (30.8%) | 1.19 | 453 |
| 2021-03-01 | $404,250 (17.2%) | $608,032 (28.0%) | 1.15 | 425 |
| 2021-04-01 | $411,000 (18.3%) | $616,070 (26.0%) | 1.11 | 425 |
| 2021-05-01 | $400,000 (14.3%) | $600,383 (20.0%) | 1.06 | 463 |
| 2021-06-01 | $418,475 (16.4%) | $616,234 (23.4%) | 1.10 | 493 |
| 2021-07-01 | $429,450 (18.9%) | $649,230 (28.8%) | 1.13 | 529 |
| 2021-08-01 | $438,750 (17.0%) | $652,912 (22.6%) | 1.17 | 576 |
| 2021-09-01 | $427,450 (11.1%) | $660,258 (24.2%) | 1.14 | 593 |
| 2021-10-01 | $404,900 (1.5%) | $670,364 (19.9%) | 1.08 | 591 |
| 2021-11-01 | $412,500 (3.1%) | $664,852 (13.5%) | 1.10 | 541 |
| 2021-12-01 | $423,500 (5.2%) | $680,324 (15.7%) | 1.15 | 448 |
| 2022-01-01 | $438,500 (7.1%) | $708,048 (18.9%) | 1.19 | 360 |
| 2022-02-01 | $449,999 (10.0%) | $754,977 (25.6%) | 1.17 | 280 |
| 2022-03-01 | $449,450 (11.2%) | $705,986 (16.1%) | 1.13 | 280 |
| 2022-04-01 | $449,999 (9.5%) | $693,724 (12.6%) | 1.07 | 304 |
| 2022-05-01 | $457,225 (14.3%) | $683,079 (13.8%) | 1.05 | 370 |
| 2022-06-01 | $499,000 (19.2%) | $749,855 (21.7%) | 1.11 | 513 |
| 2022-07-01 | $499,450 (16.3%) | $742,620 (14.4%) | 1.13 | 608 |
| 2022-08-01 | $499,700 (13.9%) | $754,257 (15.5%) | 1.16 | 628 |
| 2022-09-01 | $499,000 (16.7%) | $746,395 (13.1%) | 1.17 | 628 |
| 2022-10-01 | $495,167 (22.3%) | $724,798 (8.1%) | 1.17 | 630 |
| 2022-11-01 | $499,000 (21.0%) | $726,191 (9.2%) | 1.20 | 605 |
| 2022-12-01 | $489,900 (15.7%) | $720,567 (5.9%) | 1.21 | 534 |
| 2023-01-01 | $470,975 (7.4%) | $677,275 (-4.4%) | 1.17 | 452 |
| 2023-02-01 | $488,000 (8.4%) | $679,518 (-10.0%) | 1.18 | 388 |
| 2023-03-01 | $484,000 (7.7%) | $673,740 (-4.6%) | 1.14 | 372 |
| 2023-04-01 | $499,000 (10.9%) | $753,891 (8.7%) | 1.16 | 396 |
| 2023-05-01 | $526,000 (15.0%) | $744,242 (9.0%) | 1.19 | 448 |
| 2023-06-01 | $569,000 (14.0%) | $784,849 (4.7%) | 1.28 | 479 |
| 2023-07-01 | $569,450 (14.0%) | $777,768 (4.7%) | 1.29 | 527 |
| 2023-08-01 | $552,250 (10.5%) | $778,860 (3.3%) | 1.27 | 553 |
| 2023-09-01 | $574,900 (15.2%) | $800,875 (7.3%) | 1.34 | 609 |
| 2023-10-01 | $563,225 (13.7%) | $801,980 (10.7%) | 1.33 | 599 |
| 2023-11-01 | $549,950 (10.2%) | $792,760 (9.2%) | 1.31 | 606 |
| 2023-12-01 | $575,000 (17.4%) | $827,321 (14.8%) | 1.40 | 485 |
| 2024-01-01 | $561,200 (19.2%) | $817,719 (20.7%) | 1.37 | 399 |
| 2024-02-01 | $564,950 (15.8%) | $817,166 (20.3%) | 1.36 | 395 |
| 2024-03-01 | $549,000 (13.4%) | $817,318 (21.3%) | 1.29 | 387 |
| 2024-04-01 | $549,950 (10.2%) | $806,502 (7.0%) | 1.28 | 420 |
| 2024-05-01 | $592,000 (12.6%) | $843,825 (13.4%) | 1.35 | 469 |
| 2024-06-01 | $599,000 (5.3%) | $863,377 (10.0%) | 1.36 | 556 |
| 2024-07-01 | $599,000 (5.2%) | $846,365 (8.8%) | 1.37 | 597 |
| 2024-08-01 | $589,900 (6.8%) | $805,867 (3.5%) | 1.37 | 580 |
| 2024-09-01 | $599,900 (4.4%) | $816,537 (2.0%) | 1.41 | 616 |
| 2024-10-01 | $597,000 (6.0%) | $820,287 (2.3%) | 1.40 | 678 |
| 2024-11-01 | $562,500 (2.3%) | $802,592 (1.2%) | 1.35 | 659 |
| 2024-12-01 | $562,375 (-2.2%) | $816,514 (-1.3%) | 1.40 | 558 |
| 2025-01-01 | $546,000 (-2.7%) | $824,608 (0.8%) | 1.36 | 479 |
| 2025-02-01 | $541,250 (-4.2%) | $850,719 (4.1%) | 1.31 | 446 |
| 2025-03-01 | $549,000 (0.0%) | $827,641 (1.3%) | 1.29 | 428 |
| 2025-04-01 | $537,000 (-2.4%) | $811,952 (0.7%) | 1.25 | 467 |
| 2025-05-01 | $549,000 (-7.3%) | $805,567 (-4.5%) | 1.25 | 578 |
| 2025-06-01 | $562,450 (-6.1%) | $834,143 (-3.4%) | 1.28 | 665 |
KINGSTON's median listing price for 2025-06-01 was $562,450, a difference of
$-36,550
(-6.1%) versus the prior year and
$13,450 versus the prior month.
KINGSTON's median listing price comes in at 128% of the national average.
KINGSTON's average listing price for 2025-06-01 was $834,143, a difference of $-29,234 (-3.4%) versus the prior year and $28,576 versus the prior month.
For the 2025-06-01 period, KINGSTON had 665 MLS listings, a difference of 87 listings (15%) versus the prior month and 109 listings (20%) versus the prior year.
KINGSTON's median listing price comes in at 128% of the national average.
KINGSTON's average listing price for 2025-06-01 was $834,143, a difference of $-29,234 (-3.4%) versus the prior year and $28,576 versus the prior month.
For the 2025-06-01 period, KINGSTON had 665 MLS listings, a difference of 87 listings (15%) versus the prior month and 109 listings (20%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - KINGSTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 121 days | 1,911 sqft |
| 2018-02-01 | 121 days | 1,890 sqft |
| 2018-03-01 | 116 days | 1,919 sqft |
| 2018-04-01 | 86 days | 2,026 sqft |
| 2018-05-01 | 68 days | 2,048 sqft |
| 2018-06-01 | 57 days | 2,041 sqft |
| 2018-07-01 | 66 days | 1,999 sqft |
| 2018-08-01 | 75 days | 1,999 sqft |
| 2018-09-01 | 86 days | 1,957 sqft |
| 2018-10-01 | 87 days | 1,953 sqft |
| 2018-11-01 | 90 days | 2,000 sqft |
| 2018-12-01 | 99 days | 1,975 sqft |
| 2019-01-01 | 108 days | 1,992 sqft |
| 2019-02-01 | 113 days | 1,979 sqft |
| 2019-03-01 | 96 days | 1,903 sqft |
| 2019-04-01 | 72 days | 1,849 sqft |
| 2019-05-01 | 60 days | 1,852 sqft |
| 2019-06-01 | 58 days | 2,035 sqft |
| 2019-07-01 | 63 days | 2,016 sqft |
| 2019-08-01 | 73 days | 1,990 sqft |
| 2019-09-01 | 80 days | 1,965 sqft |
| 2019-10-01 | 86 days | 1,945 sqft |
| 2019-11-01 | 95 days | 1,951 sqft |
| 2019-12-01 | 103 days | 1,957 sqft |
| 2020-01-01 | 116 days | 1,980 sqft |
| 2020-02-01 | 114 days | 2,044 sqft |
| 2020-03-01 | 105 days | 2,051 sqft |
| 2020-04-01 | 91 days | 2,051 sqft |
| 2020-05-01 | 94 days | 2,051 sqft |
| 2020-06-01 | 68 days | 2,047 sqft |
| 2020-07-01 | 38 days | 2,019 sqft |
| 2020-08-01 | 44 days | 2,030 sqft |
| 2020-09-01 | 46 days | 2,021 sqft |
| 2020-10-01 | 52 days | 2,028 sqft |
| 2020-11-01 | 67 days | 2,065 sqft |
| 2020-12-01 | 86 days | 2,039 sqft |
| 2021-01-01 | 100 days | 2,050 sqft |
| 2021-02-01 | 103 days | 2,033 sqft |
| 2021-03-01 | 87 days | 1,990 sqft |
| 2021-04-01 | 64 days | 2,018 sqft |
| 2021-05-01 | 43 days | 1,980 sqft |
| 2021-06-01 | 44 days | 1,990 sqft |
| 2021-07-01 | 52 days | 2,032 sqft |
| 2021-08-01 | 56 days | 1,999 sqft |
| 2021-09-01 | 58 days | 1,952 sqft |
| 2021-10-01 | 66 days | 1,836 sqft |
| 2021-11-01 | 68 days | 1,840 sqft |
| 2021-12-01 | 79 days | 1,805 sqft |
| 2022-01-01 | 101 days | 1,838 sqft |
| 2022-02-01 | 108 days | 1,961 sqft |
| 2022-03-01 | 78 days | 1,908 sqft |
| 2022-04-01 | 40 days | 1,900 sqft |
| 2022-05-01 | 38 days | 1,883 sqft |
| 2022-06-01 | 35 days | 1,899 sqft |
| 2022-07-01 | 43 days | 1,979 sqft |
| 2022-08-01 | 57 days | 2,017 sqft |
| 2022-09-01 | 66 days | 2,020 sqft |
| 2022-10-01 | 67 days | 2,000 sqft |
| 2022-11-01 | 77 days | 2,040 sqft |
| 2022-12-01 | 87 days | 2,029 sqft |
| 2023-01-01 | 99 days | 1,974 sqft |
| 2023-02-01 | 106 days | 2,018 sqft |
| 2023-03-01 | 108 days | 2,025 sqft |
| 2023-04-01 | 59 days | 2,027 sqft |
| 2023-05-01 | 47 days | 2,005 sqft |
| 2023-06-01 | 45 days | 2,053 sqft |
| 2023-07-01 | 51 days | 2,054 sqft |
| 2023-08-01 | 59 days | 2,045 sqft |
| 2023-09-01 | 66 days | 2,051 sqft |
| 2023-10-01 | 64 days | 2,017 sqft |
| 2023-11-01 | 69 days | 2,000 sqft |
| 2023-12-01 | 81 days | 2,043 sqft |
| 2024-01-01 | 92 days | 2,079 sqft |
| 2024-02-01 | 95 days | 2,034 sqft |
| 2024-03-01 | 69 days | 1,967 sqft |
| 2024-04-01 | 57 days | 2,000 sqft |
| 2024-05-01 | 48 days | 1,993 sqft |
| 2024-06-01 | 44 days | 2,034 sqft |
| 2024-07-01 | 49 days | 2,078 sqft |
| 2024-08-01 | 60 days | 2,040 sqft |
| 2024-09-01 | 59 days | 2,067 sqft |
| 2024-10-01 | 52 days | 2,042 sqft |
| 2024-11-01 | 61 days | 2,007 sqft |
| 2024-12-01 | 79 days | 1,997 sqft |
| 2025-01-01 | 91 days | 1,900 sqft |
| 2025-02-01 | 91 days | 1,913 sqft |
| 2025-03-01 | 85 days | 1,952 sqft |
| 2025-04-01 | 65 days | 1,971 sqft |
| 2025-05-01 | 45 days | 1,996 sqft |
| 2025-06-01 | 46 days | 1,993 sqft |
KINGSTON's median listing age (time on market) for 2025-06-01 was 46 days.
This
is 3%
longer
than the same period one year ago.
KINGSTON's median square footage for active listings during the 2025-06-01 period was 1,993 sqft. One year prior, the average listing was 2,034 sqft.
KINGSTON's median square footage for active listings during the 2025-06-01 period was 1,993 sqft. One year prior, the average listing was 2,034 sqft.
KINGSTON, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,328 | $527,440,000 | $397,169 |
| Cash Out Refi | 473 | $106,575,000 | $225,317 |
| Home Improvement | 396 | $44,200,000 | $111,616 |
| Other | 271 | $30,855,000 | $113,856 |
| Refi | 233 | $116,315,000 | $499,206 |
Kingston's most frequently cited loan purpose was Home Purchase, with 1,328 originations. The 2nd most popular reason was Cash Out Refi, with 473 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,075 | $375,635,000 | $349,428 |
| 7-8% | 518 | $120,030,000 | $231,718 |
| Over 8% | 509 | $143,525,000 | $281,974 |
| 5-6% | 366 | $104,520,000 | $285,574 |
| 3-4% | 32 | $4,710,000 | $147,188 |
| 4-5% | 16 | $6,180,000 | $386,250 |
| <2.5% | 7 | $575,000 | $82,143 |
During 2024, Kingston's most frequently originated rate bucket was 6-7%, with 1,075 originations.
Loan Sizing (KINGSTON, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,024 | $296,800,000 | $289,844 |
| $100,000 or less | 607 | $34,095,000 | $56,170 |
| $100k-200k | 526 | $74,190,000 | $141,046 |
| $400k-600k | 380 | $181,160,000 | $476,737 |
| $600k-1000k | 118 | $87,240,000 | $739,322 |
| $Over $1MM | 46 | $151,900,000 | $3,302,174 |
KINGSTON's loan sizing saw the bucket of loans from $200k-400k with 1,024 originations, totaling $296,800,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 641 | $296,815,000 | $463,050 |
| 60-80% | 613 | $269,735,000 | $440,024 |
| Under 20% | 507 | $31,795,000 | $62,712 |
| 20-40% | 432 | $62,940,000 | $145,694 |
| 40-60% | 304 | $83,810,000 | $275,691 |
| Over 100% | 15 | $6,715,000 | $447,667 |
KINGSTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 641 originations, totaling $296,815,000 in origination value.