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
At a Glance
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. This makes the state relatively affordable compared to much of the country.
Within New York, housing costs vary significantly by county. Nassau County is the most expensive county with a median rent of $2,195 per month and a median home value of $658,700. At the other end of the spectrum, Allegany County offers the most affordable housing, with a median rent of $754 per month and homes valued at a median of $97,900.
The average home value across New York counties is $267,155, 5% lower than the national median of $281,900. With a median household income of roughly $76,433, homeownership remains within reach for many households.
Before moving to New York, it is worth understanding the local housing landscape. Costs can swing dramatically between rural and urban counties, so researching the specific county you plan to live in is essential. Use the county-level data below to compare rent, home values, and affordability ratings so you can budget accurately for your relocation.
Distribution
Rent Distribution in New York
How median rents are spread across 62 counties
Top 5 Most Expensive Counties
Top 5 Most Affordable Counties
All New York Counties
| County | Median Rent | Home Value | Owner Cost | Rent/Income |
|---|---|---|---|---|
| Nassau County | Expensive$2,195/mo | $658,700 | $3,000/mo | 32.0% |
| Suffolk County | Expensive$2,190/mo | $539,500 | $2,549/mo | 34.0% |
| New York County | Expensive$2,132/mo | $1,108,900 | $2,642/mo | 28.0% |
| Queens County | Expensive$1,915/mo | $699,200 | $1,830/mo | 31.0% |
| Westchester County | Expensive$1,876/mo | $638,400 | $2,882/mo | 31.0% |
| Rockland County | Expensive$1,826/mo | $564,200 | $2,779/mo | 34.0% |
| Putnam County | Expensive$1,824/mo | $448,000 | $2,409/mo | 35.0% |
| Kings County | Expensive$1,784/mo | $889,700 | $2,248/mo | 30.0% |
| Richmond County | Expensive$1,689/mo | $658,500 | $2,255/mo | 33.0% |
| Orange County | Expensive$1,602/mo | $361,100 | $2,128/mo | 33.0% |
| Dutchess County | Expensive$1,522/mo | $368,100 | $1,924/mo | 31.0% |
| Bronx County | Moderate$1,436/mo | $517,000 | $1,777/mo | 35.0% |
| Tompkins County | Moderate$1,374/mo | $271,500 | $1,390/mo | 36.0% |
| Saratoga County | Moderate$1,347/mo | $324,800 | $1,538/mo | 26.0% |
| Ulster County | Moderate$1,335/mo | $315,100 | $1,571/mo | 34.0% |
| Albany County | Moderate$1,252/mo | $277,400 | $1,483/mo | 27.0% |
| Jefferson County | Moderate$1,214/mo | $181,000 | $1,076/mo | 28.0% |
| Columbia County | Moderate$1,199/mo | $309,800 | $1,354/mo | 31.0% |
| Rensselaer County | Moderate$1,182/mo | $244,300 | $1,430/mo | 28.0% |
| Schenectady County | Moderate$1,159/mo | $223,100 | $1,439/mo | 31.0% |
| Monroe County | Moderate$1,126/mo | $197,100 | $1,272/mo | 30.0% |
| Ontario County | Moderate$1,126/mo | $202,900 | $1,199/mo | 27.0% |
| Warren County | Moderate$1,089/mo | $247,600 | $1,283/mo | 29.0% |
| Onondaga County | Moderate$1,067/mo | $185,300 | $1,228/mo | 30.0% |
| Erie County | Moderate$1,037/mo | $217,400 | $1,125/mo | 30.0% |
| Chemung County | Moderate$1,020/mo | $132,100 | $952/mo | 31.0% |
| Washington County | Moderate$1,000/mo | $185,000 | $1,114/mo | 28.0% |
| Sullivan County | Affordable$999/mo | $234,800 | $1,256/mo | 29.0% |
| Greene County | Affordable$993/mo | $248,300 | $1,261/mo | 28.0% |
| Clinton County | Affordable$956/mo | $175,100 | $1,009/mo | 28.0% |
| Oswego County | Affordable$943/mo | $139,600 | $1,061/mo | 29.0% |
| Otsego County | Affordable$942/mo | $175,900 | $989/mo | 26.0% |
| Wayne County | Affordable$929/mo | $163,400 | $1,125/mo | 28.0% |
| Seneca County | Affordable$925/mo | $142,700 | $1,012/mo | 27.0% |
| Montgomery County | Affordable$921/mo | $141,600 | $1,001/mo | 30.0% |
| Oneida County | Affordable$917/mo | $171,100 | $1,005/mo | 27.0% |
| Schoharie County | Affordable$916/mo | $182,000 | $984/mo | 26.0% |
| Broome County | Affordable$914/mo | $145,100 | $983/mo | 30.0% |
| Tioga County | Affordable$914/mo | $153,200 | $1,017/mo | 28.0% |
| Livingston County | Affordable$912/mo | $169,600 | $1,078/mo | 31.0% |
| Cortland County | Affordable$911/mo | $158,100 | $1,084/mo | 27.0% |
| Genesee County | Affordable$909/mo | $157,800 | $1,078/mo | 27.0% |
| Cayuga County | Affordable$895/mo | $164,200 | $1,051/mo | 29.0% |
| Madison County | Affordable$891/mo | $176,800 | $1,124/mo | 27.0% |
| Essex County | Affordable$890/mo | $200,000 | $1,024/mo | 30.0% |
| Fulton County | Affordable$883/mo | $156,100 | $963/mo | 26.0% |
| Steuben County | Affordable$878/mo | $128,600 | $924/mo | 27.0% |
| Orleans County | Affordable$877/mo | $126,200 | $1,082/mo | 26.0% |
| Niagara County | Affordable$870/mo | $177,400 | $1,021/mo | 29.0% |
| Hamilton County | Affordable$860/mo | $242,000 | $805/mo | 27.0% |
| Schuyler County | Affordable$858/mo | $163,300 | $960/mo | 28.0% |
| Delaware County | Affordable$848/mo | $176,200 | $944/mo | 29.0% |
| Lewis County | Affordable$821/mo | $158,000 | $889/mo | 25.0% |
| Chenango County | Affordable$819/mo | $128,100 | $905/mo | 27.0% |
| Franklin County | Affordable$819/mo | $128,600 | $838/mo | 25.0% |
| Herkimer County | Affordable$811/mo | $135,000 | $875/mo | 26.0% |
| Yates County | Affordable$802/mo | $178,000 | $997/mo | 25.0% |
| St. Lawrence County | Affordable$799/mo | $119,800 | $868/mo | 30.0% |
| Chautauqua County | Affordable$797/mo | $119,300 | $785/mo | 30.0% |
| Wyoming County | Affordable$782/mo | $154,700 | $900/mo | 25.0% |
| Cattaraugus County | Affordable$759/mo | $109,400 | $767/mo | 28.0% |
| Allegany County | Affordable$754/mo | $97,900 | $762/mo | 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) — Informational only. Not financial or legal advice.