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 7.03% (30-yr fixed), including New York property tax and insurance. Data through 2026-08.

  1. Massena — typical home $126K, income to buy about $37,000/yr
  2. Jamestown — typical home $129K, income to buy about $38,000/yr
  3. Elmira — typical home $132K, income to buy about $39,000/yr
  4. Dunkirk — typical home $133K, income to buy about $39,000/yr
  5. Johnson City — typical home $169K, income to buy about $49,000/yr
  6. Niagara Falls — typical home $174K, income to buy about $51,000/yr
  7. Gloversville — typical home $185K, income to buy about $54,000/yr
  8. Fulton — typical home $187K, income to buy about $55,000/yr
  9. Binghamton — typical home $192K, income to buy about $56,000/yr
  10. Watertown — typical home $206K, income to buy about $60,000/yr
  11. Batavia — typical home $207K, income to buy about $60,000/yr
  12. Endicott — typical home $207K, income to buy about $60,000/yr
  13. Cortland — typical home $211K, income to buy about $61,000/yr
  14. Utica — typical home $212K, income to buy about $62,000/yr
  15. Rome — typical home $214K, income to buy about $62,000/yr
  16. Oneida — typical home $219K, income to buy about $64,000/yr
  17. Syracuse — typical home $225K, income to buy about $65,000/yr
  18. Auburn — typical home $226K, income to buy about $66,000/yr
  19. Endwell — typical home $228K, income to buy about $66,000/yr
  20. Geneva — typical home $230K, income to buy about $67,000/yr
  21. Rochester — typical home $247K, income to buy about $72,000/yr
  22. Amsterdam — typical home $247K, income to buy about $72,000/yr
  23. Buffalo — typical home $249K, income to buy about $72,000/yr
  24. Plattsburgh — typical home $255K, income to buy about $74,000/yr
  25. Glens Falls — typical home $272K, income to buy about $79,000/yr

At the other end, New York's priciest markets: Woodbury ($450,000/yr), Great Neck ($434,000/yr), Garden City ($412,000/yr), Woodmere ($406,000/yr), Port Washington ($380,000/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.