New York Housing Affordability Index
New York’s MBR Housing Affordability Index score is 79.8 (Moderately Less Affordable) as of October 13, 2026, ranking 46th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $423,800 home in New York with 20% down, the current 7.43% 30-year fixed rate means a monthly principal and interest payment of about $2,355, or 33% of the state’s $85,974 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 13, 2026, with New York outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
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 | 83.0 | Moderately Less Affordable |
| 44 | Washington | 81.9 | Moderately Less Affordable |
| 45 | Rhode Island | 80.7 | Moderately Less Affordable |
| 46 | New York You are here | 79.8 | Moderately Less Affordable |
| 47 | Oregon | 77.8 | Moderately Less Affordable |
| 48 | Dist. of Columbia | 77.2 | Moderately Less Affordable |
| 49 | Massachusetts | 76.0 | Moderately Less Affordable |
| ▼ See all 51 state rankings → | |||
Showing states ranked near New York · October 13, 2026 • View complete national rankings →
Download New York HAI Data
2026-10-13,NY,79.8,97.1,7.432
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 79.8 on October 13, 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 7.432% 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 79.8 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 7.432%, and the index lags the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. New York: 79.8 (Moderately Less Affordable), rank #46 of 51 states. 30-yr mortgage avg: 7.43%. 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 79.8 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 7.43% 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
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