Housing affordability · New York State · 2024

New York Housing Affordability by County

All 62 New York counties ranked by price-to-income ratio — median home value divided by median household income. Lower ratios indicate more affordable markets.

# County P/I Ratio Median Home Tier
1 Allegany 1.6× $101,700 Affordable 2 Cattaraugus 1.9× $113,100 Affordable 3 St. Lawrence 1.9× $121,900 Affordable 4 Orleans 2.1× $140,800 Affordable 5 Steuben 2.1× $137,900 Affordable 6 Chautauqua 2.2× $127,900 Affordable 7 Chemung 2.2× $141,100 Affordable 8 Chenango 2.2× $137,900 Affordable 9 Franklin 2.2× $145,400 Affordable 10 Herkimer 2.2× $147,700 Affordable 11 Oswego 2.2× $151,700 Affordable 12 Tioga 2.2× $160,800 Affordable 13 Cortland 2.3× $162,100 Affordable 14 Genesee 2.3× $170,500 Affordable 15 Seneca 2.3× $155,400 Affordable 16 Wayne 2.3× $170,000 Affordable 17 Wyoming 2.3× $162,300 Affordable 18 Lewis 2.4× $166,100 Affordable 19 Livingston 2.4× $174,600 Affordable 20 Madison 2.4× $184,600 Affordable 21 Montgomery 2.4× $157,500 Affordable 22 Broome 2.5× $154,900 Affordable 23 Cayuga 2.5× $171,000 Affordable 24 Clinton 2.5× $180,600 Affordable 25 Fulton 2.5× $163,100 Affordable 26 Schuyler 2.5× $171,800 Affordable 27 Oneida 2.6× $182,600 Affordable 28 Onondaga 2.6× $200,200 Affordable 29 Otsego 2.6× $179,100 Affordable 30 Yates 2.6× $184,700 Affordable 31 Niagara 2.7× $189,800 Affordable 32 Ontario 2.7× $222,900 Affordable 33 Schoharie 2.7× $192,500 Affordable 34 Washington 2.7× $196,200 Affordable 35 Jefferson 2.8× $188,200 Affordable 36 Monroe 2.8× $213,700 Affordable 37 Delaware 2.9× $183,100 Affordable 38 Rensselaer 2.9× $258,400 Affordable 39 Essex 3.0× $211,900 Affordable 40 Schenectady 3.0× $235,700 Affordable 41 Erie 3.2× $233,800 Affordable 42 Sullivan 3.4× $249,000 Affordable 43 Warren 3.4× $267,400 Affordable 44 Albany 3.5× $294,600 Moderate 45 Greene 3.5× $271,600 Moderate 46 Saratoga 3.5× $348,600 Moderate 47 Putnam 3.7× $471,300 Moderate 48 Hamilton 3.8× $260,200 Moderate 49 Tompkins 3.9× $290,900 Moderate 50 Dutchess 4.0× $400,600 Moderate 51 Orange 4.0× $387,900 Moderate 52 Ulster 4.1× $352,500 Moderate 53 Columbia 4.3× $347,100 Moderate 54 Suffolk 4.4× $578,400 Moderate 55 Nassau 4.7× $684,700 Moderate 56 Rockland 5.4× $596,900 Stressed 57 Westchester 5.6× $663,200 Stressed 58 Richmond 6.9× $675,500 Stressed 59 Queens 8.4× $723,800 Crisis 60 New York 10.5× $1,090,500 Crisis 61 Bronx 10.9× $529,500 Crisis 62 Kings 11.3× $905,000 Crisis
The upstate–downstate divide

New York's housing market in two halves

New York State contains some of the most expensive housing in the United States alongside some of the most affordable — within the same state boundary. The divide is geographic and structural.

The five most affordable counties — Allegany, Cattaraugus, St. Lawrence, Orleans, Steuben — sit in upstate or western New York, where median home prices remain well below $200,000 and price-to-income ratios stay under 3×. These markets have housing supply that outpaces demand from local employment centres.

The five least affordable — Kings, Bronx, New York, Queens, Richmond — are concentrated in the New York City metro and Hudson Valley, where price-to-income ratios exceed 7×. Kings leads at 11.3× — a level at which buying the median home would consume 11 years of median household income.

The statewide average price-to-income ratio is 4.9×, but that figure masks the county-level distribution. Click any county above to see its full affordability profile, including rent burden, median gross rent, and comparison to the state and national median.

Explore New York county by county

The interactive map lets you compare census tracts within any county and switch between price-to-income ratio, median home value, rent burden, and more.

Open NY on the map
Source: US Census Bureau ACS 5-Year Estimates 2024 (2020–2024). Price-to-income ratio = median home value ÷ median household income. Full New York methodology →