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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

Bay Shore, NY Housing Affordability Index

Bay Shore, New York has an MBR Housing Affordability Index score of 79.6 (Moderately Less Affordable) as of October 30, 2026, ranking 777th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $492,200 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $2,691, or 31% of the city’s $105,618 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bay Shore 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.

Bay Shore MBR-HAI 79.6 Moderately Less Affordable
Rank in New York 777 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 $492,200 U.S. Census Bureau

Bay Shore is 0.5 points below the New York score. Scores as of October 30, 2026. See the New York index

View Bay Shore Mortgage Rates

What It Takes to Buy in Bay Shore

$2,691/mo
Principal & Interest
Median home, 20% down, 7.27%
$115,300
Income Needed
To keep the payment at 28% of income
$105,618
Median Household Income
New York: $85,974
4.7x
Price-to-Income Ratio
New York: 4.9x
$2,494/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,954/yr
Median Property Tax
New York figure
34.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
57.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bay Shore, New York. The rate is the New York average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Bay Shore Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bay Shore, New York score: 79.6 (Moderately Less Affordable), ranked 777 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/bay-shore”