Market Overview
Home Prices in Fort Montgomery, NY
The median home value in Fort Montgomery, NY is $477,481 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.3% compared to a year ago and up 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fort Montgomery are priced16% above average. Fort Montgomery is part of the Poughkeepsie-Newburgh-Middletown, NY metro area.
Price History
Fort Montgomery Home Price Trend
2024
$450,754
$451K
—
2025
$458,010
$458K
+1.6%
2026
$477,481
$477K
+4.3%
City Comparison
Fort Montgomery vs. National Median
🏠 Fort Montgomery
$477,481
National Median
$410,000
At $477,481, homes in Fort Montgomery cost 16% above the national median of $410,000. Buyers in Fort Montgomery should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Fort Montgomery?
20% Down Payment
$95,496
on $477,481
Monthly P&I
$2,490/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,162/mo
incl. taxes & insurance
Income Needed
$126,480
gross annual (30% rule)
10% Down Option
$47,748
+ PMI applies
Loan Amount (20% dn)
$381,985
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Fort Montgomery, NY?
The median home value in Fort Montgomery is $477,481 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.3% year-over-year.
How much have home prices changed in Fort Montgomery?
Over the past year, home values in Fort Montgomery have increased by 4.3%.
How much do I need to earn to buy a home in Fort Montgomery?
To comfortably afford the median home price of $477,481 with a 20% down payment ($95,496) at today's rates (6.8%), you'd need a gross annual income of approximately $126,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Fort Montgomery compare to the national average home price?
The national median home value is approximately $410,000. At $477,481, homes in Fort Montgomery are 16% above the national average.
What metro area is Fort Montgomery part of?
Fort Montgomery is part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.