The most affordable cities to buy a house in New York (2026)

Every New York city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including New York property tax and insurance. Data through 2026-09.

  1. Massena — typical home $124K, income to buy about $37,000/yr
  2. Jamestown — typical home $128K, income to buy about $38,000/yr
  3. Dunkirk — typical home $134K, income to buy about $40,000/yr
  4. Elmira — typical home $134K, income to buy about $40,000/yr
  5. Johnson City — typical home $170K, income to buy about $50,000/yr
  6. Niagara Falls — typical home $173K, income to buy about $51,000/yr
  7. Gloversville — typical home $184K, income to buy about $54,000/yr
  8. Fulton — typical home $185K, income to buy about $55,000/yr
  9. Binghamton — typical home $191K, income to buy about $57,000/yr
  10. Watertown — typical home $206K, income to buy about $61,000/yr
  11. Batavia — typical home $206K, income to buy about $61,000/yr
  12. Endicott — typical home $207K, income to buy about $61,000/yr
  13. Utica — typical home $210K, income to buy about $62,000/yr
  14. Cortland — typical home $211K, income to buy about $62,000/yr
  15. Rome — typical home $213K, income to buy about $63,000/yr
  16. Oneida — typical home $218K, income to buy about $64,000/yr
  17. Syracuse — typical home $223K, income to buy about $66,000/yr
  18. Geneva — typical home $225K, income to buy about $67,000/yr
  19. Auburn — typical home $226K, income to buy about $67,000/yr
  20. Endwell — typical home $226K, income to buy about $67,000/yr
  21. Rochester — typical home $240K, income to buy about $71,000/yr
  22. Buffalo — typical home $244K, income to buy about $72,000/yr
  23. Amsterdam — typical home $245K, income to buy about $73,000/yr
  24. Plattsburgh — typical home $254K, income to buy about $75,000/yr
  25. Depew — typical home $271K, income to buy about $80,000/yr

At the other end, New York's priciest markets: Woodbury ($460,000/yr), Great Neck ($439,000/yr), Garden City ($415,000/yr), Woodmere ($409,000/yr), Port Washington ($383,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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