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 6.76% (30-yr fixed), including New York property tax and insurance. Data through 2026-07.

  1. Jamestown — typical home $126K, income to buy about $36,000/yr
  2. Massena — typical home $126K, income to buy about $36,000/yr
  3. Elmira — typical home $134K, income to buy about $38,000/yr
  4. Dunkirk — typical home $136K, income to buy about $39,000/yr
  5. Johnson City — typical home $171K, income to buy about $49,000/yr
  6. Niagara Falls — typical home $176K, income to buy about $50,000/yr
  7. Gloversville — typical home $186K, income to buy about $53,000/yr
  8. Fulton — typical home $188K, income to buy about $54,000/yr
  9. Binghamton — typical home $193K, income to buy about $55,000/yr
  10. Watertown — typical home $207K, income to buy about $59,000/yr
  11. Batavia — typical home $210K, income to buy about $60,000/yr
  12. Endicott — typical home $210K, income to buy about $60,000/yr
  13. Cortland — typical home $211K, income to buy about $60,000/yr
  14. Utica — typical home $213K, income to buy about $61,000/yr
  15. Rome — typical home $215K, income to buy about $61,000/yr
  16. Oneida — typical home $221K, income to buy about $63,000/yr
  17. Syracuse — typical home $226K, income to buy about $65,000/yr
  18. Auburn — typical home $229K, income to buy about $65,000/yr
  19. Endwell — typical home $230K, income to buy about $65,000/yr
  20. Geneva — typical home $232K, income to buy about $66,000/yr
  21. Amsterdam — typical home $248K, income to buy about $71,000/yr
  22. Buffalo — typical home $249K, income to buy about $71,000/yr
  23. Rochester — typical home $249K, income to buy about $71,000/yr
  24. Plattsburgh — typical home $259K, income to buy about $74,000/yr
  25. Depew — typical home $274K, income to buy about $78,000/yr

At the other end, New York's priciest markets: Woodbury ($438,000/yr), Great Neck ($429,000/yr), Garden City ($400,000/yr), Woodmere ($395,000/yr), Jericho ($369,000/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.

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