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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

Oxbow, NY Housing Affordability Index

Oxbow, New York has an MBR Housing Affordability Index score of 177.1 (Highly Affordable) as of October 30, 2026, ranking 73rd most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $112,500 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $615, or 9% of the city’s $78,750 median household income.

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

Oxbow MBR-HAI 177.1 Highly Affordable
Rank in New York 73 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 $112,500 U.S. Census Bureau

Oxbow is 96.9 points above the New York score. Scores as of October 30, 2026. See the New York index

View Oxbow Mortgage Rates

See What You Can Afford in Oxbow, New York

Use this Oxbow, 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 Oxbow median income of $78,750, with no other debts and $23,000 down, can afford a home of about $218,221, compared with a median home value of $112,500. Buying the median priced home with 20% down takes a household income of about $35,700 once property tax and insurance are counted.

Oxbow median (Census)
Car, student loan, card minimums
Under 20% adds PMI
New York average, 30-year fixed
Oxbow median bill (Census)
Estimate; use your quote
You can afford a home up to
$218,221
At or above the Oxbow median home value of $112,500
Loan amount$195,221
Principal & interest$1,334/mo
Property tax$331/mo
Home insurance$91/mo
PMI$81/mo
Total monthly payment$1,838/mo
Compare Oxbow Mortgage Rates

How much house can you afford in Oxbow?

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 Oxbow, property taxes run about 1.82% 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 $3,558 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 Oxbow

$615/mo
Principal & Interest
Median home, 20% down, 7.27%
$26,400
Income Needed
To keep principal and interest at 28% of income
$78,750
Median Household Income
New York: $85,974
1.4x
Price-to-Income Ratio
New York: 4.9x
$1,307/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,053/yr
Median Property Tax
1.82% of median value
36.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Oxbow Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Oxbow, New York score: 177.1 (Highly Affordable), ranked 73 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/oxbow”