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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

Bloomingburg, NY Housing Affordability Index

Bloomingburg, New York has an MBR Housing Affordability Index score of 44.1 (Least Affordable) as of October 30, 2026, ranking 919th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $412,500 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $2,255, or 93% of the city’s $28,958 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bloomingburg 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.

Bloomingburg MBR-HAI 44.1 Least Affordable
Rank in New York 919 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 $412,500 U.S. Census Bureau

Bloomingburg is 36.1 points below the New York score. Scores as of October 30, 2026. See the New York index

View Bloomingburg Mortgage Rates

What It Takes to Buy in Bloomingburg

$2,255/mo
Principal & Interest
Median home, 20% down, 7.27%
$96,700
Income Needed
To keep the payment at 28% of income
$28,958
Median Household Income
New York: $85,974
14.2x
Price-to-Income Ratio
New York: 4.9x
$2,792/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,954/yr
Median Property Tax
New York figure
71.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
79.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Bloomingburg Ranks in New York

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Cite the Bloomingburg Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bloomingburg, New York score: 44.1 (Least Affordable), ranked 919 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/bloomingburg”