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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

Cold Spring, NY Housing Affordability Index

Cold Spring, New York has an MBR Housing Affordability Index score of 78.7 (Moderately Less Affordable) as of October 30, 2026, ranking 791st most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $600,100 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $3,281, or 34% of the city’s $117,292 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cold Spring 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.

Cold Spring MBR-HAI 78.7 Moderately Less Affordable
Rank in New York 791 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 $600,100 U.S. Census Bureau

Cold Spring is 1.5 points below the New York score. Scores as of October 30, 2026. See the New York index

View Cold Spring Mortgage Rates

What It Takes to Buy in Cold Spring

$3,281/mo
Principal & Interest
Median home, 20% down, 7.27%
$140,600
Income Needed
To keep the payment at 28% of income
$117,292
Median Household Income
New York: $85,974
5.1x
Price-to-Income Ratio
New York: 4.9x
$2,377/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,954/yr
Median Property Tax
New York figure
32.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Cold Spring Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cold Spring, New York score: 78.7 (Moderately Less Affordable), ranked 791 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/cold-spring”