Ranked from ACS 2023 5-Year
Highest Salary Needed to Buy a Home in New York
What a household has to earn to buy the county's own median home under the standard 28% rule, meaning housing costs at no more than 28% of gross income, counting the full monthly bill rather than just the mortgage. These are the counties where the entry ticket is steepest.
New York ranked
| # | County | Income needed | Monthly to own | Median home |
|---|---|---|---|---|
| 1 | New York County | $349,500 | $8,160 | $1,108,900 |
| 2 | Kings County | $276,000 | $6,436 | $889,700 |
| 3 | Nassau County | $226,500 | $5,282 | $658,700 |
| 4 | Queens County | $223,500 | $5,219 | $699,200 |
| 5 | Westchester County | $221,000 | $5,153 | $638,400 |
| 6 | Richmond County | $212,500 | $4,954 | $658,500 |
| 7 | Rockland County | $200,500 | $4,679 | $564,200 |
| 8 | Suffolk County | $193,500 | $4,521 | $539,500 |
| 9 | Bronx County | $171,000 | $3,986 | $517,000 |
| 10 | Putnam County | $168,500 | $3,936 | $448,000 |
| 11 | Orange County | $139,500 | $3,252 | $361,100 |
| 12 | Dutchess County | $137,000 | $3,194 | $368,100 |
| 13 | Ulster County | $118,500 | $2,763 | $315,100 |
| 14 | Saratoga County | $116,500 | $2,718 | $324,800 |
| 15 | Columbia County | $112,000 | $2,619 | $309,800 |
| 16 | Tompkins County | $107,500 | $2,505 | $271,500 |
| 17 | Albany County | $105,000 | $2,450 | $277,400 |
| 18 | Rensselaer County | $96,500 | $2,247 | $244,300 |
| 19 | Greene County | $93,000 | $2,169 | $248,300 |
| 20 | Sullivan County | $92,500 | $2,163 | $234,800 |
| 21 | Warren County | $91,500 | $2,137 | $247,600 |
| 22 | Schenectady County | $91,000 | $2,122 | $223,100 |
| 23 | Erie County | $86,000 | $2,005 | $217,400 |
| 24 | Hamilton County | $85,000 | $1,983 | $242,000 |
| 25 | Monroe County | $84,000 | $1,956 | $197,100 |
| 26 | Ontario County | $81,500 | $1,907 | $202,900 |
| 27 | Onondaga County | $78,000 | $1,824 | $185,300 |
| 28 | Essex County | $76,000 | $1,776 | $200,000 |
| 29 | Schoharie County | $74,500 | $1,733 | $182,000 |
| 30 | Washington County | $74,500 | $1,742 | $185,000 |
| 31 | Niagara County | $73,500 | $1,710 | $177,400 |
| 32 | Madison County | $73,000 | $1,707 | $176,800 |
| 33 | Livingston County | $71,500 | $1,671 | $169,600 |
| 34 | Yates County | $71,000 | $1,661 | $178,000 |
| 35 | Clinton County | $70,500 | $1,646 | $175,100 |
| 36 | Jefferson County | $70,000 | $1,633 | $181,000 |
| 37 | Oneida County | $70,000 | $1,636 | $171,100 |
| 38 | Wayne County | $70,000 | $1,631 | $163,400 |
| 39 | Delaware County | $69,500 | $1,620 | $176,200 |
| 40 | Otsego County | $69,000 | $1,606 | $175,900 |
| 41 | Cayuga County | $68,500 | $1,601 | $164,200 |
| 42 | Cortland County | $68,500 | $1,598 | $158,100 |
| 43 | Genesee County | $67,500 | $1,577 | $157,800 |
| 44 | Schuyler County | $66,500 | $1,546 | $163,300 |
| 45 | Tioga County | $65,500 | $1,530 | $153,200 |
| 46 | Wyoming County | $65,500 | $1,524 | $154,700 |
| 47 | Fulton County | $65,000 | $1,514 | $156,100 |
| 48 | Broome County | $63,500 | $1,485 | $145,100 |
| 49 | Lewis County | $63,000 | $1,472 | $158,000 |
| 50 | Montgomery County | $62,000 | $1,446 | $141,600 |
| 51 | Oswego County | $61,500 | $1,431 | $139,600 |
| 52 | Seneca County | $61,000 | $1,423 | $142,700 |
| 53 | Chemung County | $58,500 | $1,361 | $132,100 |
| 54 | Orleans County | $58,500 | $1,360 | $126,200 |
| 55 | Herkimer County | $58,000 | $1,357 | $135,000 |
| 56 | Steuben County | $57,000 | $1,331 | $128,600 |
| 57 | Chenango County | $56,500 | $1,313 | $128,100 |
| 58 | Franklin County | $54,000 | $1,262 | $128,600 |
| 59 | Chautauqua County | $53,000 | $1,238 | $119,300 |
| 60 | St. Lawrence County | $53,000 | $1,232 | $119,800 |
| 61 | Cattaraugus County | $50,500 | $1,184 | $109,400 |
| 62 | Allegany County | $47,500 | $1,105 | $97,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Salary Needed to Buy a Home across all 3,133 US counties · Every county in New York