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Learn about the people, housing, costs and businesses in Phelps, New York
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Phelps.
True all-in cost — P&I, taxes, insurance & utilities for homes in Phelps.
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Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Phelps.
Seismic risk and earthquake insurance estimates for Phelps.
Wildfire exposure and insurance estimates for Phelps.
As of today, the 30-year fixed mortgage rate for Phelps is approximately 6.979% (7.018% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for PhelpsThe median home value in Phelps is $166k. The median monthly rent is $1,124. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Phelps have increased 35.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,114/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $48k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Phelps is $78k/year.
Calculate your buying powerThe largest employment sectors in Phelps are public administration (23%) and retail (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.