Housing affordability index in New York
Housing affordability index in New York: puts one number on the housing question: 38.6% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
38.6%
principal + interest
Monthly payment
$2,767
on a $532,787 home
Median income
$86,050
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Kings County | 72.2% | $4,494 |
| 2 | New York County | 68.9% | $5,734 |
| 3 | Bronx County | 66.4% | $2,604 |
| 4 | Queens County | 51.2% | $3,520 |
| 5 | Richmond County | 41.3% | $3,309 |
| 6 | Westchester County | 33.7% | $3,215 |
| 7 | Rockland County | 31% | $2,747 |
| 8 | Nassau County | 28.7% | $3,292 |
| 9 | Suffolk County | 25% | $2,549 |
| 10 | Tompkins County | 23.5% | $1,373 |
| 11 | Ulster County | 23.3% | $1,498 |
| 12 | Dutchess County | 23% | $1,811 |
| 13 | Orange County | 22.9% | $1,755 |
| 14 | Putnam County | 21.7% | $2,191 |
| 15 | Columbia County | 21.6% | $1,474 |
| 16 | Albany County | 20.9% | $1,370 |
| 17 | Greene County | 20.3% | $1,192 |
| 18 | Sullivan County | 20.2% | $1,144 |
| 19 | Warren County | 20.1% | $1,250 |
| 20 | Saratoga County | 19.7% | $1,589 |
| 21 | Hamilton County | 19.1% | $1,064 |
| 22 | Erie County | 18.1% | $1,025 |
| 23 | Essex County | 17.3% | $984 |
| 24 | Rensselaer County | 17.2% | $1,199 |
| 25 | Delaware County | 17.1% | $833 |
| 26 | Schenectady County | 17% | $1,062 |
| 27 | Jefferson County | 16.8% | $881 |
| 28 | Washington County | 16% | $919 |
| 29 | Monroe County | 15.9% | $949 |
| 30 | Otsego County | 15.8% | $865 |
| 31 | Cayuga County | 15.7% | $825 |
| 32 | Ontario County | 15.7% | $1,001 |
| 33 | Yates County | 15.6% | $830 |
| 34 | Niagara County | 15.4% | $847 |
| 35 | Schuyler County | 15.4% | $785 |
| 36 | Clinton County | 15.3% | $858 |
| 37 | Onondaga County | 15.1% | $898 |
| 38 | Broome County | 14.9% | $723 |
| 39 | Oneida County | 14.8% | $819 |
| 40 | Schoharie County | 14.8% | $880 |
| 41 | Madison County | 14.7% | $846 |
| 42 | Fulton County | 14.6% | $738 |
| 43 | Cortland County | 14.2% | $770 |
| 44 | Montgomery County | 14.2% | $687 |
| 45 | Lewis County | 14.1% | $759 |
| 46 | Livingston County | 14.1% | $831 |
| 47 | Wyoming County | 13.7% | $743 |
| 48 | Franklin County | 13.6% | $684 |
| 49 | Genesee County | 13.6% | $772 |
| 50 | Wayne County | 13.3% | $789 |
| 51 | Chemung County | 13% | $666 |
| 52 | Seneca County | 12.8% | $686 |
| 53 | Tioga County | 12.8% | $749 |
| 54 | Chautauqua County | 12.7% | $576 |
| 55 | Oswego County | 12.6% | $685 |
| 56 | Orleans County | 12.5% | $635 |
| 57 | St. Lawrence County | 12.3% | $596 |
| 58 | Chenango County | 12.2% | $629 |
| 59 | Steuben County | 12.1% | $628 |
| 60 | Herkimer County | 12% | $680 |
| 61 | Cattaraugus County | 11.5% | $546 |
| 62 | Allegany County | 9.9% | $484 |
Methodology
Every county figure for New York uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.