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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

Woodstock, NY Housing Affordability Index

Woodstock, New York has an MBR Housing Affordability Index score of 50.6 (Significantly Less Affordable) as of October 30, 2026, ranking 914th most affordable of 922 scored New York cities, compared with 80.2 statewide and 97.4 nationally. On a median-priced $675,600 home with 20% down, the New York average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $3,694, or 85% of the city’s $52,091 median household income.

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

Woodstock MBR-HAI 50.6 Significantly Less Affordable
Rank in New York 914 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 $675,600 U.S. Census Bureau

Woodstock is 29.5 points below the New York score. Scores as of October 30, 2026. See the New York index

View Woodstock Mortgage Rates

What It Takes to Buy in Woodstock

$3,694/mo
Principal & Interest
Median home, 20% down, 7.27%
$158,300
Income Needed
To keep the payment at 28% of income
$52,091
Median Household Income
New York: $85,974
13.0x
Price-to-Income Ratio
New York: 4.9x
$1,514/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,066/yr
Median Property Tax
1.05% of median value
60.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
79.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Woodstock Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Woodstock, New York score: 50.6 (Significantly Less Affordable), ranked 914 of 922 New York cities. monitorbankrates.com/housing-affordability-index/new-york/woodstock”