The typical owner-occupied home in Haines Falls is worth about $255,100, 40% below the New York median of $423,800 and 23% below the national median of $332,700. Owners pay a median $2,308 a year in property taxes, about 0.90% of their home's value, lower than the New York rate of 1.55%. The median household earns $118,438 a year, so the median home costs 2.2 times the median income (4.9 times for New York). 95% of occupied homes here are lived in by their owners, and 33% of those owners still have a mortgage.
Haines Falls at a glance
| Haines Falls | New York | U.S. | |
|---|---|---|---|
| Median home value | $255,100 | $423,800 | $332,700 |
| Median property tax paid per year | $2,308 | $6,582 | $3,119 |
| Property tax as a share of value | 0.90% | 1.55% | 0.94% |
| Median household income | $118,438 | $85,974 | $80,734 |
| Homes lived in by their owners | 95% | 54% | 65% |
| Owner homes with a mortgage | 33% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $2,326 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 28.3% | 22.5% | 21.0% |
| Median rent | – | $1,621 | $1,413 |
| Median year homes were built | 1938 | 1959 | 1980 |
| Vacant homes | 4.8% | 10.0% | 10.1% |
| Population | 513 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Haines Falls
At this week's average 30-year rate of 7.11%, buying the median Haines Falls home of $255,100 with 20% down costs about $1,670 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,095, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $71,592 for the 20%-down payment. That payment is 17% of the median Haines Falls household income of $118,438; at that income and 20% down, the 28% guideline points to a home of about $422,000.
| Down payment | $51,020 |
|---|---|
| Loan amount | $204,080 |
| Principal and interest | $1,373 |
| Property taxes (0.90% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $106 |
| PMI | $0 |
| Total per month | $1,670 |
Change the numbers in the calculator
| Down payment | $8,928 |
|---|---|
| Loan amount | $250,480 |
| Principal and interest | $1,685 |
| Property taxes (0.90% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $106 |
| FHA mortgage insurance | $113 |
| Total per month | $2,095 |
Change the numbers in the calculator
Questions about home buying in Haines Falls
What is the median home value in Haines Falls?
About $255,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Haines Falls?
Homeowners pay a median $2,308 a year, which is about 0.90% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Haines Falls?
For the median home with 20% down at 7.11%, the payment is about $1,670 a month. Keeping that under 28% of gross income takes about $71,592 a year.
More about Haines Falls
- Mortgage Refinance in Haines Falls
- Debt Relief in Haines Falls
- Home Equity Loans in Haines Falls
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data