New York Housing Affordability Index

Daily affordability score for New York compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

New York

89.3

Moderately Less Affordable

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #48 of 51 states

vs. National Average -11.3 points

30-yr Rate Used 6.339%

Median Home Value $423,800

Median Household Income $85,974

View all state rankings →

New York Affordability Ranking

#48 of 51 states — April 10, 2026 Bottom 20% least affordable

Most Affordable Least Affordable

More affordable than: 3 of 51 states (6%)

Less affordable than: 47 of 51 states (92%)

MBR-HAI Score: 89.3 vs. national 100.6 (-11.3 points)

Nearby States

↑ 45 more affordable states above

#46 NJ 91.9

#47 RI 90.6

#48 New York ◀ 89.3

#49 OR 89.2

#50 MA 87.2

↓ 1 less affordable state below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY ◀ 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

New York MBR-HAI — 90-Day Trend

New York

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — New York

$423,800

Median Home Value

U.S. median: varies by state

$85,974

Median Household Income

U.S. median: $80,734

4.9x

Price-to-Income Ratio

Home value ÷ income

$1,714/mo

Median Owner Costs

23.9% of income annually

$6,954/yr

Median Property Tax

1.64% effective rate

52.4%

Homeownership Rate

U.S. average: 65.7%

33.1%

Owner Cost Burden

% spending 30%+ of income on housing

6.339%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How New York Ranks Among All States

#48

of 51 states

Least Affordable Most Affordable

New York is more affordable than 6% of U.S. states — Moderately Less Affordable

89.3

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 44 states →
45	New Hampshire	94.1	Near National Average
46	New Jersey	91.9	Near National Average
47	Rhode Island	90.6	Near National Average
48	New York You are here	89.3	Moderately Less Affordable
49	Oregon	89.2	Moderately Less Affordable
50	Massachusetts	87.2	Moderately Less Affordable
51	California	81.5	Moderately Less Affordable

Showing states ranked near New York — April 10, 2026 • View complete national rankings →

Download New York HAI Data

New York History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,NY,89.3,100.6,6.339                

Download NY History (CSV)

All 51 States (CSV)

Compare New York to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how New York ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

New York Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in New York.