Mortgage Rates in Clyde, New York — March 2026
Updated March 2026 | Based on Clyde market data and regional lending conditions
Clyde is a smaller New York community of 32,730 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.69% (0.04% above the national average). The median home price of $350,000 translates to roughly $2,310/month with 20% down — requiring an income of about $99,000, which exceeds the local median of $66,000.
Current Mortgage Rates in Clyde, NY
Below are the current average mortgage rates available in the Clyde area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.94% | 6.85% | +0.09% |
Clyde Housing Market Overview
Housing in Clyde sits near the national average at $350,000. With a median household income of $66,000 and a cost of living index of 111.2, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Clyde
Based on the median home price of $350,000 with 20% down ($70,000), here is what you can expect to pay monthly in Clyde:
15-Year vs. 30-Year Mortgage in Clyde
Choosing a 15-year mortgage in Clyde at 5.95% instead of a 30-year at 6.69% would save you $225,900 in total interest over the life of the loan. However, your monthly payment would be $2,355 instead of $1,805 — an increase of $550 per month.
Calculate Your Clyde Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Clyde
What are the current mortgage rates in Clyde, NY?
As of March 2026, the average 30-year fixed mortgage rate in Clyde, New York is 6.69%, while the 15-year fixed rate is 5.95%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Clyde?
Based on the median home price of $350,000 with 20% down, the estimated monthly mortgage payment in Clyde is $1,805 for principal and interest. Including property taxes of $505/month, the total monthly housing cost is approximately $2,310.
What income do I need to buy a home in Clyde?
Using the 28% rule, you would need an annual income of approximately $99,000 to afford the median-priced home in Clyde at $350,000. The median household income in Clyde is $66,000. This means most households would need to either earn above the median or consider homes below $350,000.
Is Clyde a good place to buy a home in 2026?
Clyde has a moderate cost of living with a cost of living index of 111.2 (national average = 100). The property tax rate in New York is 1.73%, which is above the national average. Clyde has a population of 32,730 and offers a balanced lifestyle.
Mortgage Rates in Other New York Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Clyde, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.