How much house can I afford on $70,000 in New York?
About $231,000 with 20% down ($187,000 with an FHA loan), using New York's 1.42% property tax rate.
That is $293,867 less than the typical New York home ($524,942), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,244 principal and interest, $274 property tax and $116 insurance.
Counties in New York you can afford on $70,000
22 of 62 counties have a typical home value at or below $231,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Otsego County | $220,102 | +5.5% | 1.7% |
| Wyoming County | $214,905 | +5.6% | 2.25% |
| Montgomery County | $213,640 | +3.3% | 2.46% |
| Cortland County | $209,513 | +6.3% | 2.56% |
| Tioga County | $209,229 | +7.8% | 2.33% |
| Oswego County | $208,964 | +7.3% | 2.4% |
| Orleans County | $207,563 | +8.1% | 2.72% |
| Herkimer County | $204,078 | +6.2% | 2.1% |
| Broome County | $201,781 | +6.7% | 2.52% |
| Lewis County | $198,555 | +4.7% | 1.62% |
| Chautauqua County | $180,657 | +4.8% | 2.27% |
| Franklin County | $178,454 | +7.6% | 1.68% |
| Steuben County | $172,442 | +4.1% | 2.46% |
| Cattaraugus County | $168,287 | +4.6% | 2.64% |
| Chenango County | $166,867 | +8.2% | 2.26% |
| Chemung County | $166,618 | +6.6% | 2.45% |
| Saint Lawrence County | $149,753 | +6.4% | 2.33% |
| Allegany County | $141,748 | +6.7% | 2.92% |
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 $70,000 in New York?
About $231,000 with 20% down at 7.11%, keeping the payment (with New York's 1.42% property tax and insurance) under $1,633 a month.
Is $70,000 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 $70,000 supports about $231,000. 22 of 62 counties are within budget.