Renters in Woodbury pay a median of $1,868 a month, and the median home is valued at $452,200. 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
- Woodbury in numbers
- What Woodbury residents do for work
- Woodbury households and housing
- The job market around Woodbury
- Budget math at the median in Woodbury
- Loan lessons from the Woodbury figures
- Woodbury in context
- Nearby places compared with Woodbury
- Woodbury in brief
- A Woodbury example
- Before you borrow in Woodbury
- Other guides in the area
- Frequently asked questions
Woodbury in numbers
Source: Census Bureau ACS 5-year estimates, 2020 to 2024, for the city of Woodbury. Estimates carry margins of error, and your own income, credit and debts decide what a lender offers.
What Woodbury residents do for work
Ask what Woodbury residents do for a living and the ACS answers with education and health care first at 26%, then professional, scientific and administrative services at 18% and retail at 15%. Compared with the median place in our U.S. city set, Woodbury leans toward professional, scientific and administrative services: 18% of workers against a median of 12%.
The spread of incomes matters as much as the middle. In Woodbury, 11% of households bring in less than $35,000 a year and 56% bring in $100,000 or more, while 31% reach $200,000 or more. Woodbury beats the U.S. city median on $100,000 households (39%), and sits below it on households under $35,000 (20%). Income inequality, measured by the Gini index, is 0.41.
Woodbury households and housing
Residents of Woodbury have a median age of 37.2; 48% of adults 25 and older have at least a bachelor's degree, and 8% did not finish high school. The U.S. city medians are 37.2 years and 37% with a degree, so Woodbury skews close to the typical age and above the middle on schooling. These are context, not predictions: scores come from payment history, balances and length of credit, not from where you live.
The housing stock in Woodbury breaks down as 81% detached houses, 3% apartments in larger buildings and 2% mobile homes, per the ACS.
The job market around Woodbury
The Bureau of Labor Statistics put the unemployment rate in Orange County at 4.2% for September 2026 (not seasonally adjusted, preliminary), up 0.1 points from 4.1% a year earlier. Census survey data put the Woodbury rate at 7.7% on a 2020 to 2024 average.
Budget math at the median in Woodbury
Divide the median income of $121,221 by twelve and a Woodbury household has about $10,102 a month before taxes. Rent at the median ($1,868) uses 18% of that; 30% would be $3,031. Many lenders also look at total monthly debt payments as a share of gross income; 36% is a widely cited benchmark, worth about $3,637 a month at the median, though each lender sets its own limit. The price-to-income ratio for housing is roughly 3.7. If your rent share is above the yardstick, size any new payment more conservatively.
Loan lessons from the Woodbury figures
A large share of Woodbury workers (45%) have commutes of 45 minutes or longer, more than in most of our U.S. city set. That adds mileage, maintenance and time costs that a household budget needs to absorb.
74% of renter households in Woodbury spend 30 percent or more of their income on rent, a share in the upper third of the 784 U.S. city places we cover. For a renter, the safest personal loan is the smallest one that solves the problem, on the shortest term the budget can carry.
With 89% of households owning their homes, Woodbury sits high among the 784 U.S. city places we cover. For owners, unexpected repairs are the typical trigger for a loan, and an unsecured loan avoids a lien on the house.
Woodbury in context
Among the 784 U.S. city places we track, Woodbury posts a median household income of $121,221 (rank 107 of 784), a median gross rent of $1,868 (rank 177 of 784), and a median home value of $452,200 (rank 226 of 784). Rankings shift with every Census release.
Two reference points among New York places of similar population: Newburgh ($56,960 income, $1,454 rent), where Woodbury runs 113% above on income and 28% above on rent and Poughkeepsie ($60,741 income, $1,400 rent), where Woodbury runs 100% above on income and 33% above on rent. If your budget looks like your neighbors', the checklist questions are the same; if it does not, size the payment to your own numbers.
Nearby places compared with Woodbury
Distances are straight-line from the center of Woodbury. The last column shows how each place's median rent differs from Woodbury's $1,868.
| Community | Distance | Residents | Household income (median) | Rent (median) | Rent vs Woodbury |
|---|---|---|---|---|---|
| Harriman | 3 mi | 2,586 | $83,488 | $2,061 | +$193 |
| Kiryas Joel | 4 mi | 38,916 | $50,032 | $1,604 | -$264 |
| Monroe | 4 mi | 9,515 | $109,851 | $2,202 | +$334 |
| South Blooming Grove | 5 mi | 3,866 | $62,316 | $2,161 | +$293 |
| West Point | 5 mi | 6,349 | $135,333 | $3,501 | +$1,633 |
| Walton Park | 6 mi | 3,915 | $157,276 | $2,987 | +$1,119 |
| Tuxedo | 7 mi | 3,023 | $109,205 | $1,611 | -$257 |
| Highland Falls | 7 mi | 3,683 | $110,714 | $1,643 | -$225 |
Households earn more at the median in 2 of the 8 neighbors, while 3 have cheaper median rent than Woodbury. Rent runs from $1,604 in Kiryas Joel to $3,501 in West Point, and the highest median income nearby is $157,276 in Walton Park. Lenders look at your own rent or mortgage, not the town average, but the spread shows how much local costs vary.
Woodbury in brief
Woodbury is an Orange County village in New York's Hudson Valley, about an hour north of New York City. The Woodbury Common Premium Outlets draw shoppers from across the region, and retail and hospitality are common local jobs.
A Woodbury example
Tourism work in Woodbury can swing with the season: strong summers, thin winters. A lender sees only your documented income, so borrow against the lower months, not the peak ones.
Before you borrow in Woodbury
- Confirm the license with your state regulator before sharing details; the CFPB takes complaints about lenders.
- Plan for a bad month: if hours drop or the car breaks, could the payment still go out?
- Run the offer checklist before you sign.
- Check the payment against Woodbury rent or mortgage in the DTI calculator before applying anywhere.
- Compare three written offers by APR, fees and total cost, using the side-by-side calculator.
Other guides in the area
Frequently asked questions
Does commuting from Woodbury change how much I should borrow?
It can. 45% of Woodbury workers spend 45 minutes or more getting to work, and every mile adds gas and wear. Leave room for a repair bill before committing to a payment, and favor a shorter term.
How do lenders treat seasonal or tipped income in Woodbury?
They usually count only what you can document, often from tax returns and bank statements. Gather several months of records, and size the loan against your slower months.
Does my Woodbury ZIP code matter to the check?
No. Where you live inside a state does not change the questions or the rules. Only your own answers count, and lenders must follow fair-lending laws when they decide.
Who handles lender complaints for Woodbury residents?
Your state attorney general and financial regulator take complaints, as does the CFPB online. For advance-fee scams, use ReportFraud.ftc.gov.