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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

Port Jefferson, NY Housing Affordability Index

Port Jefferson, New York has an MBR Housing Affordability Index score of 85.6 (Moderately Less Affordable) as of October 30, 2026, ranking 704th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $655,800 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $3,586, or 30% of the city’s $144,912 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Port Jefferson 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.

Port Jefferson MBR-HAI 85.6 Moderately Less Affordable
Rank in New York 704 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 $655,800 U.S. Census Bureau

Port Jefferson is 5.4 points above the New York score. Scores as of October 30, 2026. See the New York index

View Port Jefferson Mortgage Rates

See What You Can Afford in Port Jefferson, New York

Use this Port Jefferson, 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 Port Jefferson median income of $144,912, with no other debts and $131,000 down, can afford a home of about $525,728, compared with a median home value of $655,800. Buying the median priced home with 20% down takes a household income of about $190,200 once property tax and insurance are counted.

Port Jefferson median (Census)
Car, student loan, card minimums
Under 20% adds PMI
New York average, 30-year fixed
Port Jefferson median bill (Census)
Estimate; use your quote
You can afford a home up to
$525,728
Below the Port Jefferson median home value of $655,800
Loan amount$394,728
Principal & interest$2,698/mo
Property tax$464/mo
Home insurance$219/mo
PMI$0/mo
Total monthly payment$3,381/mo
Compare Port Jefferson Mortgage Rates

How much house can you afford in Port Jefferson?

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 Port Jefferson, property taxes run about 1.06% 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 $8,104 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 Port Jefferson

$3,586/mo
Principal & Interest
Median home, 20% down, 7.27%
$153,700
Income Needed
To keep principal and interest at 28% of income
$144,912
Median Household Income
New York: $85,974
4.5x
Price-to-Income Ratio
New York: 4.9x
$2,581/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,954/yr
Median Property Tax
New York figure
31.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Port Jefferson Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Port Jefferson, New York score: 85.6 (Moderately Less Affordable), ranked 704 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/port-jefferson”