Mortgage Rates in Tarrytown, New York — March 2026
Updated March 2026 | Based on Tarrytown market data and regional lending conditions
Tarrytown is a growing city in New York with a population of 11,277. The current 30-year fixed mortgage rate in Tarrytown is 6.82%, which is 0.17% above the national average. With a median home price of $402,000 and a 20% down payment of $80,400, homebuyers can expect a monthly principal and interest payment of approximately $2,101.
Current Mortgage Rates in Tarrytown, NY
Below are the current average mortgage rates available in the Tarrytown 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Tarrytown Housing Market Overview
The Tarrytown housing market reflects moderate demand with prices near the national average. The median household income in Tarrytown is $61,200, and the cost of living index is 138.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $115,586 to comfortably afford the median-priced home in Tarrytown, which exceeds the current median household income.
Monthly Payment Breakdown for Tarrytown
Based on the median home price of $402,000 with 20% down ($80,400), here is what you can expect to pay monthly in Tarrytown:
15-Year vs. 30-Year Mortgage in Tarrytown
Choosing a 15-year mortgage in Tarrytown at 6.05% instead of a 30-year at 6.82% would save you $266,220 in total interest over the life of the loan. However, your monthly payment would be $2,723 instead of $2,101 — an increase of $622 per month.
Calculate Your Tarrytown 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 Tarrytown
What are the current mortgage rates in Tarrytown, NY?
As of March 2026, the average 30-year fixed mortgage rate in Tarrytown, New York is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Tarrytown?
Based on the median home price of $402,000 with 20% down, the estimated monthly mortgage payment in Tarrytown is $2,101 for principal and interest. Including property taxes of $596/month, the total monthly housing cost is approximately $2,697.
What income do I need to buy a home in Tarrytown?
Using the 28% rule, you would need an annual income of approximately $115,586 to afford the median-priced home in Tarrytown at $402,000. The median household income in Tarrytown is $61,200. This means most households would need to either earn above the median or consider homes below $402,000.
Is Tarrytown a good place to buy a home in 2026?
Tarrytown has a higher cost of living than average with a cost of living index of 138.3 (national average = 100). The property tax rate in New York is 1.78%, which is above the national average. Tarrytown has a population of 11,277 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Tarrytown, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.