How much house can I afford on $100,000 in New York?
About $330,000 with 20% down ($267,000 with an FHA loan), using New York's 1.42% property tax rate.
That is $194,834 less than the typical New York home ($524,942), so on $100,000 you'd look at cheaper areas or a smaller home. The payment of $2,333 covers $1,777 principal and interest, $392 property tax and $165 insurance.
Counties in New York you can afford on $100,000
43 of 62 counties have a typical home value at or below $330,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rensselaer County | $327,950 | +5.8% | 2.05% |
| Yates County | $325,604 | +5.1% | 1.88% |
| Sullivan County | $323,717 | +4.8% | 2% |
| Ontario County | $323,653 | +5.8% | 2.05% |
| Schenectady County | $312,933 | +5.2% | 2.36% |
| Erie County | $295,625 | +3.4% | 1.98% |
| Essex County | $292,915 | +6.8% | 1.47% |
| Onondaga County | $285,908 | +6.5% | 2.44% |
| Monroe County | $285,680 | +4.7% | 2.63% |
| Hamilton County | $274,369 | +2.0% | 1% |
| Madison County | $265,243 | +6.4% | 2.26% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| Wayne County | $253,487 | +6.1% | 2.5% |
| Washington County | $252,226 | +3.7% | 2.01% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
| Delaware County | $250,587 | +5.2% | 1.72% |
| Livingston County | $247,627 | +4.0% | 2.45% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Clinton County | $230,451 | +6.0% | 2% |
| Fulton County | $228,431 | +7.4% | 2.06% |
| Genesee County | $227,342 | +5.7% | 2.41% |
| Seneca County | $225,973 | +5.9% | 2.19% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.42% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in New York
Frequently asked questions
How much house can I afford on $100,000 in New York?
About $330,000 with 20% down at 7.11%, keeping the payment (with New York's 1.42% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in New York?
Not the typical home: the typical New York home is worth $524,942 (Zillow, September 2026) and $100,000 supports about $330,000. 43 of 62 counties are within budget.