Renters in Kiryas Joel pay a median of $1,604 a month, and the median home is valued at $758,800. Before borrowing here, test the new payment against your debt-to-income ratio, compare APR and total cost on at least three written offers, and confirm the lender is licensed in New York.
On this page
- Local snapshot
- Paychecks in Kiryas Joel
- Age, schooling and housing in Kiryas Joel
- Jobs data for the Kiryas Joel area
- A median Kiryas Joel budget
- Loan lessons from the Kiryas Joel figures
- Where Kiryas Joel ranks
- Kiryas Joel and its neighbors
- About Kiryas Joel
- A Kiryas Joel example
- Do this before signing in Kiryas Joel
- More nearby
- Frequently asked questions
Local snapshot
Source: Census Bureau ACS 5-year estimates, 2020 to 2024, for the city of Kiryas Joel. Estimates carry margins of error, and your own income, credit and debts decide what a lender offers.
Paychecks in Kiryas Joel
Education and health care is the largest employer category for people living in Kiryas Joel at 32%, ahead of retail (15%) and professional, scientific and administrative services (11%). Compared with the median place in our U.S. city set, Kiryas Joel leans toward education and health care: 32% of workers against a median of 23%.
Break Kiryas Joel households into income groups and 41% fall below $35,000, 39% land between $35,000 and $100,000, and 21% reach $100,000 or beyond. Our U.S. city median is 39% at $100,000 or more and 20% under $35,000. The Gini index for the area is 0.48, on a scale where higher means a wider gap.
Age, schooling and housing in Kiryas Joel
Kiryas Joel has a median age of 15.7 and a bachelor's-or-higher rate of 6% among adults 25 and older. Measured against the U.S. city set (median age 37.2, 37% with degrees), Kiryas Joel is younger and below the typical education share.
The housing stock in Kiryas Joel breaks down as 3% detached houses, 87% apartments in larger buildings and 0% mobile homes, per the ACS. Our U.S. city median is 61% detached and 22% in large buildings.
Jobs data for the Kiryas Joel area
Federal labor data show unemployment of 4.2% in Orange County for September 2026 (preliminary, not seasonally adjusted), up 0.1 points from 4.1% a year earlier. Averaged across 2020 to 2024, the ACS shows 2.2% for Kiryas Joel proper.
A median Kiryas Joel budget
Median rent in Kiryas Joel ($1,604) runs 38% of the median monthly household income ($4,169 before taxes). The 30% yardstick works out to $1,251. Apply a 36% debt-to-income test and a median-earning household in Kiryas Joel could carry roughly $1,501 a month in total debt payments, housing included. The typical home is priced at 15.2 times the median household income. The median is a reference point only; your own gross income and debts are what count.
Loan lessons from the Kiryas Joel figures
Rent is a stretch for many Kiryas Joel renters: 75% put 30 percent or more of income toward it, which puts the city in the upper third of the 784 U.S. city places in our set. For a renter, the safest personal loan is the smallest one that solves the problem, on the shortest term the budget can carry.
Mortgaged homeowners in Kiryas Joel are feeling it: 61% put 30 percent or more of income toward housing, among the higher shares in our 784-place U.S. city set. Owners in that position should be cautious about adding payments, and wary of using home equity for non-essential spending.
Median home value in Kiryas Joel is $758,800, about 15.2 times the median household income of $50,032, one of the higher ratios in our U.S. city set. When prices run ahead of incomes, households often lean on credit for the costs around a home.
Where Kiryas Joel ranks
In the 784 U.S. city places in our dataset, Kiryas Joel has a median household income of $50,032 (736th highest of 784), a median gross rent of $1,604 (353rd highest of 784), and a median home value of $758,800 (60th highest of 784).
For scale, look at two New York places of similar size: Poughkeepsie ($60,741 income, $1,400 rent), where Kiryas Joel runs 18% below on income and 15% above on rent and Newburgh ($56,960 income, $1,454 rent), where Kiryas Joel runs 12% below on income and 10% above on rent. Compare the same four numbers on every offer wherever you live.
Kiryas Joel and its neighbors
A short list of nearby communities, sorted by distance from Kiryas Joel, to show how quickly costs change over a few miles.
| Community | Distance | Residents | Median income | Rent (median) | Rent vs Kiryas Joel |
|---|---|---|---|---|---|
| Monroe | 2 mi | 9,515 | $109,851 | $2,202 | +$598 |
| South Blooming Grove | 2 mi | 3,866 | $62,316 | $2,161 | +$557 |
| Harriman | 2 mi | 2,586 | $83,488 | $2,061 | +$457 |
| Woodbury | 4 mi | 11,334 | $121,221 | $1,868 | +$264 |
| Walton Park | 4 mi | 3,915 | $157,276 | $2,987 | +$1,383 |
| Chester | 6 mi | 4,033 | $100,514 | $2,010 | +$406 |
| Washingtonville | 6 mi | 5,707 | $95,313 | $1,351 | -$253 |
| Tuxedo | 7 mi | 3,023 | $109,205 | $1,611 | +$7 |
On income, Kiryas Joel trails 8 of its 8 nearest neighbors; on rent, 1 of them is cheaper. The cheapest median rent here is Washingtonville's $1,351, the steepest is Walton Park's $2,987, and Walton Park leads on income at $157,276. If a move is part of the reason for borrowing, compare the rent gap with the loan payment before you sign.
About Kiryas Joel
Kiryas Joel is a village in Orange County, New York, home to a Satmar Hasidic community and one of the youngest populations of any U.S. place. Local schools, religious institutions and small businesses are the main employers.
A Kiryas Joel example
A fast-growing town means many households are new, with thinner local credit relationships. Credit unions that serve newcomers may offer starter loans worth comparing.
Do this before signing in Kiryas Joel
- Look the lender up with your state's financial regulator, and know that the CFPB takes complaints too.
- Take a day to review a contract. A lender that rushes you has told you something.
- Never pay a fee first. A request for money before funding is the mark of a scam; the scam guide lists the usual scripts.
- Plan for a bad month: if hours drop or the car breaks, could the payment still go out?
- Put the payment through the DTI calculator before you apply anywhere. Lenders set their own limits.
More nearby
Frequently asked questions
Is a personal loan a good idea in Kiryas Joel if rent is already a big expense?
It can be when the loan lowers your total cost, for example by replacing high-interest cards, and when the new payment fits after rent. In Kiryas Joel, 75% of renters spend 30 percent or more of income on rent, so test every payment against a tight month and avoid long terms that raise total cost.
Is a personal loan a good way to cover moving costs into Kiryas Joel?
It can be if the costs are known and your new budget supports the payment. Check your employer for relocation help first.
Does living in Kiryas Joel change what I qualify for?
No. The check looks at what you borrow, your credit range, your income from any source and your monthly payments, and treats every applicant the same. A lender's own decision is separate, and fair-lending laws bind lenders.
Who handles lender complaints for Kiryas Joel residents?
Start with the New York financial regulator or attorney general, then the CFPB complaint portal. If you were asked to pay a fee before getting a loan, report it at ReportFraud.ftc.gov.