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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Amagansett, NY Housing Affordability Index

Amagansett, New York has an MBR Housing Affordability Index score of 59.8 (Significantly Less Affordable) as of October 30, 2026, ranking 901st most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $1,671,900 home with 20% down, a jumbo loan at 7.52% means a monthly principal and interest payment of about $9,370, or 67% of the city’s $166,875 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Amagansett is updated every night from live New York mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Amagansett MBR-HAI 59.8 Significantly Less Affordable
Rank in New York 901 of 922 1 = most affordable
New York 80.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% New York lenders
Median home value $1,671,900 U.S. Census Bureau

Amagansett is 20.4 points below the New York score. Scores as of October 30, 2026. See the New York index

View Amagansett Mortgage Rates

What It Takes to Buy in Amagansett

$9,370/mo
Principal & Interest
Median home, 20% down, 7.52% jumbo
$401,600
Income Needed
To keep the payment at 28% of income
$166,875
Median Household Income
New York: $85,974
10.0x
Price-to-Income Ratio
New York: 4.9x
$3,415/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,954/yr
Median Property Tax
New York figure
37.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Amagansett, New York. The rate is the New York average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Amagansett Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Amagansett, New York score: 59.8 (Significantly Less Affordable), ranked 901 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/amagansett”