New York Cost of Living
Housing costs and affordability data for 62 counties.
Average Monthly Rent
$1,133/mo
Average Home Value
$267,155
Average Owner Cost
$1,327/mo
County cost atlas
New York housing costs by county
Compare rent, entry-price context, owner costs, and cost score in one state view. Pin a county, switch layers, then open the full county profile when a place needs closer review.
Counties
62
Avg rent
$1,133/mo
Owner cost
$1,327/mo
Avg score
27.6
Higher means lower cost pressure
Atlas layers use U.S. Census Bureau ACS 2019-2023 5-Year Estimates. Rent, owner cost, and home value are county medians. Cost score rewards lower rent and lower owner costs, but affordability still depends on income, household size, commute, debt, and personal finances. Use this as decision context, not personalized financial advice.
State Cost Summary
Use these state averages as a starting point, then scan the atlas and rankings for the county-level spread behind them.
Housing Costs in New York: An Overview
The median rent in New York is $1,133 per month, which is 3% below the national median of $1,163. That is useful statewide context, but rent burden still depends on local income, household size, commute, and the county a household chooses.
Within New York, housing costs vary significantly by county. Nassau County has the highest median rent in this dataset at $2,195 per month and a median home value of $658,700. Allegany County has the lowest reported median rent at $754 per month and a median home value of $97,900.
The average home value across New York counties is $267,155, 5% lower than the national median of $281,900. Median household income is roughly $76,433, so home values should be read alongside local wages, financing costs, taxes, insurance, and supply.
Before comparing places in New York, start with the county-level pattern. Costs can swing dramatically between rural and urban counties. Use the atlas, rankings, and county links below to compare rent, home values, owner costs, and rent burden before opening a specific county profile.
Distribution
Rent Distribution in New York
How median rents are spread across 62 counties
Highest Median Rent Counties
Lowest Median Rent Counties
All New York Counties
Sorted by median rent, highest first. A higher cost score means lower rent and owner cost pressure within the national scoring model.
| County | Median Rent | Home Value | Owner Cost | Cost Score | Rent/Income |
|---|---|---|---|---|---|
| Nassau County | Expensive$2,195/mo | $658,700 | $3,000/mo | 0.3 | 32.0% |
| Suffolk County | Expensive$2,190/mo | $539,500 | $2,549/mo | 0.6 | 34.0% |
| New York County | Expensive$2,132/mo | $1,108,900 | $2,642/mo | 0.6 | 28.0% |
| Queens County | Expensive$1,915/mo | $699,200 | $1,830/mo | 3.0 | 31.0% |
| Westchester County | Expensive$1,876/mo | $638,400 | $2,882/mo | 1.1 | 31.0% |
| Rockland County | Expensive$1,826/mo | $564,200 | $2,779/mo | 1.3 | 34.0% |
| Putnam County | Expensive$1,824/mo | $448,000 | $2,409/mo | 1.6 | 35.0% |
| Kings County | Expensive$1,784/mo | $889,700 | $2,248/mo | 2.0 | 30.0% |
| Richmond County | Expensive$1,689/mo | $658,500 | $2,255/mo | 2.5 | 33.0% |
| Orange County | Expensive$1,602/mo | $361,100 | $2,128/mo | 3.4 | 33.0% |
| Dutchess County | Expensive$1,522/mo | $368,100 | $1,924/mo | 4.6 | 31.0% |
| Bronx County | Moderate$1,436/mo | $517,000 | $1,777/mo | 6.3 | 35.0% |
| Tompkins County | Moderate$1,374/mo | $271,500 | $1,390/mo | 10.5 | 36.0% |
| Saratoga County | Moderate$1,347/mo | $324,800 | $1,538/mo | 9.1 | 26.0% |
| Ulster County | Moderate$1,335/mo | $315,100 | $1,571/mo | 9.2 | 34.0% |
| Albany County | Moderate$1,252/mo | $277,400 | $1,483/mo | 11.3 | 27.0% |
| Jefferson County | Moderate$1,214/mo | $181,000 | $1,076/mo | 20.2 | 28.0% |
| Columbia County | Moderate$1,199/mo | $309,800 | $1,354/mo | 14.0 | 31.0% |
| Rensselaer County | Moderate$1,182/mo | $244,300 | $1,430/mo | 13.1 | 28.0% |
| Schenectady County | Moderate$1,159/mo | $223,100 | $1,439/mo | 13.7 | 31.0% |
| Monroe County | Moderate$1,126/mo | $197,100 | $1,272/mo | 17.0 | 30.0% |
| Ontario County | Moderate$1,126/mo | $202,900 | $1,199/mo | 18.7 | 27.0% |
| Warren County | Moderate$1,089/mo | $247,600 | $1,283/mo | 17.9 | 29.0% |
| Onondaga County | Moderate$1,067/mo | $185,300 | $1,228/mo | 20.0 | 30.0% |
| Erie County | Moderate$1,037/mo | $217,400 | $1,125/mo | 23.6 | 30.0% |
| Chemung County | Moderate$1,020/mo | $132,100 | $952/mo | 30.9 | 31.0% |
| Washington County | Moderate$1,000/mo | $185,000 | $1,114/mo | 25.4 | 28.0% |
| Sullivan County | Affordable$999/mo | $234,800 | $1,256/mo | 22.1 | 29.0% |
| Greene County | Affordable$993/mo | $248,300 | $1,261/mo | 22.5 | 28.0% |
| Clinton County | Affordable$956/mo | $175,100 | $1,009/mo | 32.0 | 28.0% |
| Oswego County | Affordable$943/mo | $139,600 | $1,061/mo | 30.9 | 29.0% |
| Otsego County | Affordable$942/mo | $175,900 | $989/mo | 33.6 | 26.0% |
| Wayne County | Affordable$929/mo | $163,400 | $1,125/mo | 29.6 | 28.0% |
| Seneca County | Affordable$925/mo | $142,700 | $1,012/mo | 33.9 | 27.0% |
| Montgomery County | Affordable$921/mo | $141,600 | $1,001/mo | 34.6 | 30.0% |
| Oneida County | Affordable$917/mo | $171,100 | $1,005/mo | 34.6 | 27.0% |
| Schoharie County | Affordable$916/mo | $182,000 | $984/mo | 35.7 | 26.0% |
| Broome County | Affordable$914/mo | $145,100 | $983/mo | 36.0 | 30.0% |
| Tioga County | Affordable$914/mo | $153,200 | $1,017/mo | 34.6 | 28.0% |
| Livingston County | Affordable$912/mo | $169,600 | $1,078/mo | 32.6 | 31.0% |
| Cortland County | Affordable$911/mo | $158,100 | $1,084/mo | 32.5 | 27.0% |
| Genesee County | Affordable$909/mo | $157,800 | $1,078/mo | 33.0 | 27.0% |
| Cayuga County | Affordable$895/mo | $164,200 | $1,051/mo | 35.0 | 29.0% |
| Madison County | Affordable$891/mo | $176,800 | $1,124/mo | 32.6 | 27.0% |
| Essex County | Affordable$890/mo | $200,000 | $1,024/mo | 36.2 | 30.0% |
| Fulton County | Affordable$883/mo | $156,100 | $963/mo | 39.3 | 26.0% |
| Steuben County | Affordable$878/mo | $128,600 | $924/mo | 41.8 | 27.0% |
| Orleans County | Affordable$877/mo | $126,200 | $1,082/mo | 35.4 | 26.0% |
| Niagara County | Affordable$870/mo | $177,400 | $1,021/mo | 38.1 | 29.0% |
| Hamilton County | Affordable$860/mo | $242,000 | $805/mo | 51.5 | 27.0% |
| Schuyler County | Affordable$858/mo | $163,300 | $960/mo | 42.0 | 28.0% |
| Delaware County | Affordable$848/mo | $176,200 | $944/mo | 44.0 | 29.0% |
| Lewis County | Affordable$821/mo | $158,000 | $889/mo | 49.8 | 25.0% |
| Chenango County | Affordable$819/mo | $128,100 | $905/mo | 49.0 | 27.0% |
| Franklin County | Affordable$819/mo | $128,600 | $838/mo | 53.6 | 25.0% |
| Herkimer County | Affordable$811/mo | $135,000 | $875/mo | 51.6 | 26.0% |
| Yates County | Affordable$802/mo | $178,000 | $997/mo | 46.8 | 25.0% |
| St. Lawrence County | Affordable$799/mo | $119,800 | $868/mo | 54.0 | 30.0% |
| Chautauqua County | Affordable$797/mo | $119,300 | $785/mo | 60.2 | 30.0% |
| Wyoming County | Affordable$782/mo | $154,700 | $900/mo | 54.1 | 25.0% |
| Cattaraugus County | Affordable$759/mo | $109,400 | $767/mo | 66.2 | 28.0% |
| Allegany County | Affordable$754/mo | $97,900 | $762/mo | 67.0 | 28.0% |
Compare New York to Other States
See how New York counties stack up against counties in other states. Compare rent, home values, and affordability side by side.
Start a ComparisonFrequently Asked Questions About New York Housing Costs
What is the most affordable county in New York?
What is the most expensive county to live in New York?
How does New York's cost of living compare to the national average?
What is the average home value in New York?
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Compare Moving QuotesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023). Data is informational only and is not personalized financial advice.