Cost of Living in Fulton County, New York
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Fulton County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Fulton County ranks #2,267 of 3,144 counties for affordability (bottom 28%)
Data Story
About Cost of Living in Fulton County, New York
Fulton County beats national average
Fulton County residents spend 16.9% of income on rent, outperforming the national average and tracking close to New York's state average of 17.6%. With median income at $62,615 and rent at $883 monthly, the county offers solid affordability for renters nationwide.
Competitive pricing within New York
Fulton County's median rent of $883 sits well below New York's $1,133 state average, reflecting the county's position as an affordable upstate option. The 16.9% rent-to-income ratio places it among the state's better deals for housing-conscious households.
Middle ground among region
Fulton County's $883 rent positions it between Franklin County ($819) and Genesee County ($909), offering a middle ground in the upstate market. The county's 16.9% rent-to-income ratio trails only Herkimer County and Hamilton County among comparable neighbors.
Housing costs stay manageable
Fulton County households earning the median $62,615 annually allocate $883 monthly to rent, consuming about 17% of gross income. Homebuyers face a median monthly owner cost of $963 and median home value of $156,100, offering reasonable pathways to ownership.
Fulton offers solid upstate value
Relocating to Fulton County means accessing New York housing at 16.9% of income—below state average—with rents averaging $883 and home values around $156,100. The county balances affordability with regional accessibility, making it competitive for budget-conscious homebuyers and renters alike.
Cost of Living Advisory: Fulton County
Affordability Verdict
Fulton County is affordable for renters, with a median gross rent of $883/month representing approximately 16.9% of median household income. The rent burden (GRAPI) stands at 26.0%.
Rent vs. Own
At $883/month rent versus $963/month in owner costs, renting is roughly $80/month cheaper — a 8% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $35,320/year. For owner costs at the 28% rule, the required income is roughly $41,271/year. With a median household income of $62,615, most households can comfortably afford rent here. Notably, 26.0% of renter households in Fulton County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Fulton County sits 6% less expensive than Otsego County ($942/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Fulton County
Rent Burden
16.9%
of gross income
Max Housing (28% Rule)
$1,461
per month
Owner Cost Burden
18.5%
of gross income
You can likely afford the median home in Fulton County
Median home value is $156,100. Estimated monthly cost: $1,246 vs. your max of $1,461.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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