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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

Greenport, NY Housing Affordability Index

Greenport, New York has an MBR Housing Affordability Index score of 56.6 (Significantly Less Affordable) as of October 30, 2026, ranking 911th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $961,200 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $5,256, or 78% of the city’s $81,094 median household income.

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

Greenport MBR-HAI 56.6 Significantly Less Affordable
Rank in New York 911 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 $961,200 U.S. Census Bureau

Greenport is 23.6 points below the New York score. Scores as of October 30, 2026. See the New York index

View Greenport Mortgage Rates

See What You Can Afford in Greenport, New York

Use this Greenport, New York home affordability calculator to see how much house you can afford at today’s New York average 30-year mortgage rate of 7.27%. A household earning the Greenport median income of $81,094, with no other debts and $192,000 down, can afford a home of about $412,077, compared with a median home value of $961,200. Buying the median priced home with 20% down takes a household income of about $264,000 once property tax and insurance are counted.

Greenport median (Census)
Car, student loan, card minimums
Under 20% adds PMI
New York average, 30-year fixed
Greenport median bill (Census)
Estimate; use your quote
You can afford a home up to
$412,077
Below the Greenport median home value of $961,200
Loan amount$220,077
Principal & interest$1,504/mo
Property tax$216/mo
Home insurance$172/mo
PMI$0/mo
Total monthly payment$1,892/mo
Compare Greenport Mortgage Rates

How much house can you afford in Greenport?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Greenport, property taxes run about 0.63% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $4,722 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Greenport

$5,256/mo
Principal & Interest
Median home, 20% down, 7.27%
$225,200
Income Needed
To keep principal and interest at 28% of income
$81,094
Median Household Income
New York: $85,974
11.9x
Price-to-Income Ratio
New York: 4.9x
$1,893/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,034/yr
Median Property Tax
0.63% of median value
38.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Greenport Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Greenport, New York score: 56.6 (Significantly Less Affordable), ranked 911 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/greenport”