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.
New York Affordability Ranking
New York MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · New York
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How New York Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 42 states → | |||
| 43 | Colorado | 84.7 | Moderately Less Affordable |
| 44 | Washington | 83.8 | Moderately Less Affordable |
| 45 | Rhode Island | 83.3 | Moderately Less Affordable |
| 46 | New York You are here | 81.9 | Moderately Less Affordable |
| 47 | Oregon | 79.7 | Moderately Less Affordable |
| 48 | Dist. of Columbia | 78.7 | Moderately Less Affordable |
| 49 | Massachusetts | 77.8 | Moderately Less Affordable |
| ▼ See all 51 state rankings → | |||
Showing states ranked near New York · May 26, 2026 • View complete national rankings →
Download New York HAI Data
2026-05-26,NY,81.9,100.0,6.600
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · New York
Ready-to-publish sentences using today's New York data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live New York score. Free for editorial use with attribution to MonitorBankRates.
In New York, the MonitorBankRates (MBR) Housing Affordability Index stood at 81.9 on May 26, 2026, ranking #46 of 51 U.S. states for homeownership affordability and indicating moderately less affordable conditions relative to the national baseline. The state-level reading combines New York's 30-year mortgage rate average of 6.600% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“New York's MonitorBankRates (MBR) Housing Affordability Index score of 81.9 places it #46 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in New York is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 6.600%, and the index lags the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. New York: 81.9 (Moderately Less Affordable), rank #46 of 51 states. 30-yr mortgage avg: 6.60%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/new-york/
Housing affordability in New York is currently sitting at 81.9 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #46 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, New York's 30-year mortgage rate of 6.60% reflects moderately less affordable conditions for local buyers. The state lags the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for New York homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The New York MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: New York metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
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