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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

New Berlin, NY Housing Affordability Index

New Berlin, New York has an MBR Housing Affordability Index score of 136.9 (Highly Affordable) as of October 30, 2026, ranking 260th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $108,100 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $591, or 14% of the city’s $48,958 median household income.

The MBR Housing Affordability Index (MBR-HAI) for New Berlin 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.

New Berlin MBR-HAI 136.9 Highly Affordable
Rank in New York 260 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 $108,100 U.S. Census Bureau

New Berlin is 56.8 points above the New York score. Scores as of October 30, 2026. See the New York index

View New Berlin Mortgage Rates

What It Takes to Buy in New Berlin

$591/mo
Principal & Interest
Median home, 20% down, 7.27%
$25,300
Income Needed
To keep the payment at 28% of income
$48,958
Median Household Income
New York: $85,974
2.2x
Price-to-Income Ratio
New York: 4.9x
$906/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,125/yr
Median Property Tax
2.89% of median value
27.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
22.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the New Berlin Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. New Berlin, New York score: 136.9 (Highly Affordable), ranked 260 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/new-berlin”