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

Long Lake, NY Housing Affordability Index

Long Lake, New York has an MBR Housing Affordability Index score of 115.8 (More Affordable Than Average) as of October 30, 2026, ranking 432nd most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $275,000 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,504, or 25% of the city’s $71,827 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Long Lake 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.

Long Lake MBR-HAI 115.8 More Affordable Than Average
Rank in New York 432 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 $275,000 U.S. Census Bureau

Long Lake is 35.6 points above the New York score. Scores as of October 30, 2026. See the New York index

View Long Lake Mortgage Rates

What It Takes to Buy in Long Lake

$1,504/mo
Principal & Interest
Median home, 20% down, 7.27%
$64,400
Income Needed
To keep the payment at 28% of income
$71,827
Median Household Income
New York: $85,974
3.8x
Price-to-Income Ratio
New York: 4.9x
$1,012/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,620/yr
Median Property Tax
0.95% of median value
7.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Long Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Long Lake, New York score: 115.8 (More Affordable Than Average), ranked 432 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/long-lake”