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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

Kiryas Joel, NY Housing Affordability Index

Kiryas Joel, New York has an MBR Housing Affordability Index score of 49.4 (Least Affordable) as of October 30, 2026, ranking 916th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $758,800 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $4,149, or 100% of the city’s $50,032 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Kiryas Joel 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.

Kiryas Joel MBR-HAI 49.4 Least Affordable
Rank in New York 916 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 $758,800 U.S. Census Bureau

Kiryas Joel is 30.7 points below the New York score. Scores as of October 30, 2026. See the New York index

View Kiryas Joel Mortgage Rates

What It Takes to Buy in Kiryas Joel

$4,149/mo
Principal & Interest
Median home, 20% down, 7.27%
$177,800
Income Needed
To keep the payment at 28% of income
$50,032
Median Household Income
New York: $85,974
15.2x
Price-to-Income Ratio
New York: 4.9x
$2,499/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,655/yr
Median Property Tax
0.48% of median value
61.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
73.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Kiryas Joel Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kiryas Joel, New York score: 49.4 (Least Affordable), ranked 916 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/kiryas-joel”