How much house can I afford on $80,000 in New York?
About $264,000 with 20% down ($214,000 with an FHA loan), using New York's 1.42% property tax rate.
That is $260,856 less than the typical New York home ($524,942), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,421 principal and interest, $313 property tax and $132 insurance.
Counties in New York you can afford on $80,000
32 of 62 counties have a typical home value at or below $264,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| 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% |
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 $80,000 in New York?
About $264,000 with 20% down at 7.11%, keeping the payment (with New York's 1.42% property tax and insurance) under $1,867 a month.
Is $80,000 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 $80,000 supports about $264,000. 32 of 62 counties are within budget.