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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

Westhampton Beach, NY Housing Affordability Index

Westhampton Beach, New York has an MBR Housing Affordability Index score of 62.7 (Significantly Less Affordable) as of October 30, 2026, ranking 891st most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $1,117,000 home with 20% down, a jumbo loan at 7.52% means a monthly principal and interest payment of about $6,260, or 53% of the city’s $141,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Westhampton Beach 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.

Westhampton Beach MBR-HAI 62.7 Significantly Less Affordable
Rank in New York 891 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 $1,117,000 U.S. Census Bureau

Westhampton Beach is 17.5 points below the New York score. Scores as of October 30, 2026. See the New York index

View Westhampton Beach Mortgage Rates

What It Takes to Buy in Westhampton Beach

$6,260/mo
Principal & Interest
Median home, 20% down, 7.52% jumbo
$268,300
Income Needed
To keep the payment at 28% of income
$141,250
Median Household Income
New York: $85,974
7.9x
Price-to-Income Ratio
New York: 4.9x
$3,003/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,981/yr
Median Property Tax
0.89% of median value
39.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Westhampton Beach, New York. The rate is the New York average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Westhampton Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Westhampton Beach, New York score: 62.7 (Significantly Less Affordable), ranked 891 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/westhampton-beach”