How much house can I afford on $90,000 in New York?
About $297,000 with 20% down ($240,000 with an FHA loan), using New York's 1.42% property tax rate.
That is $227,845 less than the typical New York home ($524,942), so on $90,000 you'd look at cheaper areas or a smaller home. The payment of $2,100 covers $1,599 principal and interest, $353 property tax and $149 insurance.
Counties in New York you can afford on $90,000
38 of 62 counties have a typical home value at or below $297,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| 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% |
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 $90,000 in New York?
About $297,000 with 20% down at 7.11%, keeping the payment (with New York's 1.42% property tax and insurance) under $2,100 a month.
Is $90,000 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 $90,000 supports about $297,000. 38 of 62 counties are within budget.