Income needed to buy a home
Every county in New York
In the middle county, Schoharie County, the typical home takes $95,314 a year. Locals can afford the typical home in 4 of 62 counties.
| County | Typical home | Monthly cost | Income needed | Local median income | For locals |
|---|---|---|---|---|---|
| Allegany County | $143,514 | $1,303 | $55,846 | $62,869 | Within reach |
| St. Lawrence County | $151,402 | $1,319 | $56,547 | $62,850 | Within reach |
| Chemung County | $165,850 | $1,455 | $62,352 | $63,716 | Right at the edge |
| Cattaraugus County | $169,594 | $1,477 | $63,299 | $59,540 | Right at the edge |
| Chenango County | $170,494 | $1,503 | $64,427 | $62,948 | Right at the edge |
| Franklin County | $181,687 | $1,511 | $64,769 | $65,151 | Right at the edge |
| Steuben County | $174,826 | $1,552 | $66,513 | $65,887 | Right at the edge |
| Chautauqua County | $181,706 | $1,592 | $68,235 | $58,351 | A stretch |
| Lewis County | $202,877 | $1,677 | $71,860 | $68,182 | Right at the edge |
| Herkimer County | $205,323 | $1,744 | $74,735 | $68,515 | Right at the edge |
| Broome County | $202,695 | $1,814 | $77,724 | $62,616 | A stretch |
| Oswego County | $211,243 | $1,845 | $79,078 | $69,183 | A stretch |
| Tioga County | $209,340 | $1,847 | $79,143 | $72,739 | Right at the edge |
| Otsego County | $221,157 | $1,855 | $79,488 | $68,885 | A stretch |
| Orleans County | $208,180 | $1,867 | $80,006 | $65,969 | A stretch |
| Cortland County | $210,017 | $1,877 | $80,442 | $70,418 | A stretch |
| Wyoming County | $216,570 | $1,880 | $80,562 | $69,110 | A stretch |
| Montgomery County | $216,878 | $1,929 | $82,682 | $64,943 | A stretch |
| Jefferson County | $235,648 | $1,933 | $82,836 | $66,301 | A stretch |
| Fulton County | $230,015 | $1,945 | $83,362 | $66,533 | A stretch |
| Seneca County | $227,508 | $1,974 | $84,614 | $68,089 | A stretch |
| Clinton County | $231,971 | $1,994 | $85,462 | $71,224 | A stretch |
| Genesee County | $228,393 | $2,000 | $85,702 | $73,314 | A stretch |
| Cayuga County | $235,844 | $2,033 | $87,133 | $67,904 | A stretch |
| Oneida County | $240,023 | $2,052 | $87,923 | $70,154 | A stretch |
| Schuyler County | $249,328 | $2,121 | $90,886 | $67,663 | A stretch |
| Delaware County | $257,029 | $2,125 | $91,068 | $63,337 | Far off |
| Livingston County | $248,490 | $2,167 | $92,870 | $74,001 | A stretch |
| Washington County | $254,499 | $2,176 | $93,262 | $73,495 | A stretch |
| Hamilton County | $276,497 | $2,179 | $93,384 | $68,835 | A stretch |
| Niagara County | $256,416 | $2,191 | $93,900 | $69,633 | A stretch |
| Schoharie County | $256,375 | $2,224 | $95,314 | $70,133 | A stretch |
| Wayne County | $256,174 | $2,290 | $98,130 | $74,506 | A stretch |
| Madison County | $265,362 | $2,323 | $99,536 | $75,499 | A stretch |
| Essex County | $299,484 | $2,466 | $105,693 | $71,661 | Far off |
| Erie County | $300,673 | $2,569 | $110,086 | $72,839 | Far off |
| Onondaga County | $287,951 | $2,579 | $110,508 | $76,945 | Far off |
| Monroe County | $292,366 | $2,665 | $114,208 | $76,382 | Far off |
| Yates County | $328,918 | $2,728 | $116,915 | $69,701 | Far off |
| Schenectady County | $314,934 | $2,794 | $119,739 | $79,623 | Far off |
| Sullivan County | $325,739 | $2,805 | $120,229 | $72,382 | Far off |
| Ontario County | $329,614 | $2,862 | $122,672 | $82,324 | Far off |
| Rensselaer County | $329,236 | $2,869 | $122,966 | $87,915 | A stretch |
| Greene County | $370,743 | $3,066 | $131,385 | $77,945 | Far off |
| Warren County | $379,896 | $3,104 | $133,041 | $78,442 | Far off |
| Tompkins County | $355,495 | $3,152 | $135,072 | $74,024 | Far off |
| Albany County | $374,202 | $3,190 | $136,713 | $85,333 | Far off |
| Ulster County | $450,677 | $3,810 | $163,301 | $86,271 | Far off |
| Saratoga County | $472,462 | $3,859 | $165,390 | $100,787 | Far off |
| Bronx County | $501,723 | $3,890 | $166,728 | $48,676 | Out of reach |
| Columbia County | $491,479 | $3,988 | $170,907 | $81,528 | Out of reach |
| Orange County | $468,342 | $4,117 | $176,426 | $97,178 | Far off |
| Dutchess County | $506,431 | $4,326 | $185,403 | $99,478 | Far off |
| Putnam County | $577,337 | $5,125 | $219,629 | $126,257 | Far off |
| Richmond County | $728,958 | $5,715 | $244,948 | $98,333 | Out of reach |
| Queens County | $744,565 | $5,757 | $246,736 | $86,136 | Out of reach |
| Suffolk County | $738,423 | $6,246 | $267,697 | $130,686 | Out of reach |
| Rockland County | $766,355 | $6,759 | $289,674 | $109,959 | Out of reach |
| Kings County | $959,075 | $7,262 | $311,210 | $80,263 | Out of reach |
| Nassau County | $856,988 | $7,317 | $313,587 | $146,202 | Out of reach |
| Westchester County | $884,652 | $7,643 | $327,565 | $118,976 | Out of reach |
| New York County | $1,223,135 | $9,414 | $403,447 | $103,931 | Out of reach |
10% down, 7.40% 30-year fixed, housing at 28% of gross income. How it works.