Cheapest Cities in New York 2026 | Most Affordable Places to Buy

All Affordable Cities in New York

#	City	Median Price	Days on Market	Months Supply	YoY Change
1	Fort Drum	$15K	154 days	—	N/A
2	Lyon Mountain	$20K	325 days	2.0 mo	N/A
3	Bombay	$20K	260 days	—	N/A
4	West Chazy	$20K	69 days	1.0 mo	N/A
5	Burlington Flats	$30K	74 days	—	N/A
6	Villenova	$30K	6 days	—	N/A
7	Morris	$34K	18 days	2.0 mo	N/A
8	Dunkirk	$35K	81 days	1.0 mo	N/A
9	Millport	$40K	119 days	—	N/A
10	Cumminsville	$40K	55 days	—	N/A
11	Oxbow	$40K	48 days	—	N/A
12	Parishville	$40K	128 days	5.0 mo	N/A
13	Wolcott	$40K	110 days	2.0 mo	N/A
14	Decatur	$41K	212 days	—	N/A
15	Caton	$43K	3 days	—	N/A
16	Nichols	$45K	108 days	—	N/A
17	Coopers Plains	$45K	12 days	2.0 mo	N/A
18	Edwards	$45K	148 days	1.0 mo	N/A
19	New Lisbon	$45K	12 days	1.0 mo	N/A
20	Ripley	$45K	78 days	—	N/A
21	Dannemora	$45K	107 days	2.0 mo	N/A
22	North Hornell	$47K	38 days	3.0 mo	N/A
23	Woodsville	$48K	45 days	—	N/A
24	Clare	$49K	39 days	—	N/A
25	Veteran	$49K	169 days	12.0 mo	N/A
26	Sennett	$50K	4 days	2.0 mo	N/A
27	Butternuts	$53K	11 days	5.0 mo	N/A
28	Mount Vision	$53K	42 days	1.0 mo	N/A
29	Augusta	$55K	13 days	—	N/A
30	Hartsville	$55K	41 days	—	N/A
31	Morristown	$55K	58 days	1.0 mo	N/A
32	Websters Crossing	$56K	56 days	—	N/A
33	Sanford	$57K	19 days	2.0 mo	N/A
34	Perrysburg	$59K	239 days	—	N/A
35	Dolgeville	$60K	6 days	6.0 mo	N/A
36	Fairfield	$60K	55 days	—	N/A
37	Fort Covington Hamlet	$60K	10 days	2.0 mo	N/A
38	Fowler	$60K	17 days	8.0 mo	N/A
39	Hagaman	$60K	1 days	3.0 mo	N/A
40	Hailesboro	$60K	17 days	2.0 mo	N/A
41	Russia	$60K	222 days	1.0 mo	N/A
42	Worcester	$60K	130 days	12.0 mo	N/A
43	Deposit	$62K	12 days	4.0 mo	N/A
44	Farmersville	$62K	180 days	—	N/A
45	Prattsburg	$62K	110 days	1.0 mo	N/A
46	Roseboom	$63K	13 days	3.0 mo	N/A
47	Lapeer	$65K	345 days	—	N/A
48	Petersburgh	$65K	95 days	6.0 mo	N/A
49	Little Falls	$66K	55 days	3.7 mo	N/A
50	Glen	$66K	10 days	4.0 mo	N/A
51	Mentz	$67K	128 days	2.5 mo	N/A
52	Port Byron	$67K	128 days	2.0 mo	N/A
53	Caroga Lake	$68K	120 days	1.0 mo	N/A
54	Plattsburgh West	$68K	58 days	1.0 mo	N/A
55	Fort Plain	$70K	28 days	6.0 mo	N/A
56	Minden	$70K	28 days	7.0 mo	N/A
57	Sandy Creek	$70K	364 days	2.0 mo	N/A
58	Homer	$71K	24 days	—	N/A
59	Clark Mills	$72K	4 days	3.0 mo	N/A
60	Sherman	$73K	187 days	0.5 mo	N/A
61	Hermon	$73K	13 days	—	N/A
62	St. Regis Falls	$74K	172 days	1.0 mo	N/A
63	Cleveland	$75K	341 days	2.0 mo	N/A
64	Jamestown	$75K	30 days	3.1 mo	-29.5%
65	Lorraine	$75K	15 days	—	N/A
66	Norwood	$75K	126 days	9.0 mo	N/A
67	Rensselaer Falls	$75K	118 days	1.0 mo	N/A
68	Duane	$76K	6 days	1.0 mo	N/A
69	Stockton	$79K	40 days	—	N/A
70	Frankfort	$80K	123 days	1.0 mo	N/A
71	Gouverneur	$80K	65 days	5.0 mo	N/A
72	Hammond	$80K	17 days	3.0 mo	N/A
73	Florence	$82K	7 days	—	N/A
74	Manheim	$83K	25 days	3.0 mo	N/A
75	Plainfield	$83K	48 days	4.0 mo	N/A
76	Unadilla Forks	$83K	48 days	1.0 mo	N/A
77	Hornell	$84K	38 days	1.3 mo	N/A
78	Byersville	$85K	116 days	—	N/A
79	Candor	$85K	38 days	4.0 mo	N/A
80	Kennedy	$85K	119 days	2.0 mo	N/A
81	Addison	$86K	144 days	—	N/A
82	Ogdensburg	$88K	47 days	2.6 mo	+27.5%
83	Falconer	$90K	25 days	1.0 mo	N/A
84	Stark	$90K	49 days	—	N/A
85	Louisville	$91K	121 days	2.0 mo	N/A
86	Pitcairn	$93K	74 days	2.0 mo	N/A
87	Cranberry Lake	$94K	132 days	—	N/A
88	Macomb	$95K	211 days	2.0 mo	N/A
89	Allegany	$95K	13 days	3.0 mo	N/A
90	Conewango	$95K	78 days	—	N/A
91	Delevan	$95K	49 days	—	N/A
92	East Randolph	$95K	78 days	2.0 mo	N/A
93	Clifton	$98K	22 days	3.0 mo	N/A
94	Star Lake	$98K	22 days	1.0 mo	N/A
95	Franklin	$99K	21 days	8.0 mo	N/A
96	New York Mills	$100K	2 days	2.0 mo	N/A
97	Nunda	$100K	26 days	0.7 mo	N/A
98	Yorkville	$100K	129 days	4.0 mo	N/A
99	Bethany	$103K	18 days	3.0 mo	N/A
100	Dalton	$104K	68 days	—	N/A

Affordable Housing in New York

Looking for affordable housing in New York? We've ranked 100 cities by median home price to help you find budget-friendly options. The most affordable city is Fort Drum with a median price of $15K.

Tips for Finding Affordable Homes

Look at smaller cities: Often have lower prices than metro areas
Consider commute times: Suburbs may offer better value
Check market trends: Some affordable areas are appreciating quickly
Work with a local agent: They know hidden gems and upcoming areas

Frequently Asked Questions

What are the cheapest cities to buy a house in New York?

The most affordable cities in New York are listed above, ranked by median home price. These markets offer entry points significantly below the state average, making homeownership accessible for first-time buyers, investors, and those relocating on a budget.

Is it worth buying a cheap house in New York?

Affordable New York cities can offer excellent value, especially for long-term residents and investors. Key factors to evaluate include local job market strength, school quality, crime rates, and future development plans. A local agent can help you distinguish between genuine value and areas with underlying issues.

Why are some New York cities so much cheaper?

Lower home prices in certain New York cities reflect factors like smaller population size, distance from major metro areas, limited amenities, or economic transitions. However, many affordable cities offer strong quality of life, growing economies, and appreciation potential that makes them smart buying opportunities.

What salary do I need to buy a house in New York's cheapest cities?

In New York's most affordable markets, a household income of $40,000-$60,000 may be sufficient to qualify for a mortgage, depending on the specific price point and current interest rates. Use the 28% rule: your monthly housing payment shouldn't exceed 28% of gross monthly income. A local agent and lender can pre-qualify you.

Are cheap houses in New York a good investment?

Affordable properties can be excellent investments, especially in New York cities with growing populations and economies. Look for markets with rising employment, infrastructure investment, and limited new housing supply. These factors often precede price appreciation, turning today's affordable market into tomorrow's growing one.

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