What income do you need to buy a house in Smallwood, NY?

It takes about $62,000/yr to afford the typical Smallwood, NY home ($218K, +1.1% past year) at today's rates. Starter homes run around $155K. See if you can afford a house in Smallwood (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $62,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, NY property tax and insurance)
• Typical home value: $218K (Zillow ZHVI, 2026-07)
• 1-year change: +1.1%
• Bottom 35% of homes: $155K
• Top 35% of homes start around: $315K
• Median household income: $65K
• Price-to-income ratio: 3.3
• Estimated payment on the typical home: $1,133/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Monticello, NY — typical home $291K
• Port Jervis, NY — typical home $322K
• Middletown, NY — typical home $418K
• Goshen, NY — typical home $580K
• Walden, NY — typical home $425K
• Warwick, NY — typical home $585K

The most affordable cities to buy a house in New York

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

i wanna buy a house .com — type a city, see its market, find out what you can afford.