MonitorBankRates
☰
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

Guilford, NY Housing Affordability Index

Guilford, New York has an MBR Housing Affordability Index score of 191.1 (Highly Affordable) as of October 30, 2026, ranking 48th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $93,900 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $513, or 9% of the city’s $71,354 median household income.

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

Guilford MBR-HAI 191.1 Highly Affordable
Rank in New York 48 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 $93,900 U.S. Census Bureau

Guilford is 110.9 points above the New York score. Scores as of October 30, 2026. See the New York index

View Guilford Mortgage Rates

What It Takes to Buy in Guilford

$513/mo
Principal & Interest
Median home, 20% down, 7.27%
$22,000
Income Needed
To keep the payment at 28% of income
$71,354
Median Household Income
New York: $85,974
1.3x
Price-to-Income Ratio
New York: 4.9x
$603/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,954/yr
Median Property Tax
New York figure
100.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Guilford Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Guilford, New York score: 191.1 (Highly Affordable), ranked 48 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/guilford”