Easiest ZIP codes to buy in New York
Top 25 easiest ZIP codes to buy into in New York by price-to-income ratio. #1 is 10475 (New York) at about 0.5x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in New York — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 10475 (New York) at about 0.5x; 14806 (Andover) at about 1.2x; 12967 at about 1.2x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the New York state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 10475 | New York | Bronx County | 0.5x | 42,771 | $62,383 | $31,900 |
| 2 | 14806 | Andover | Allegany County | 1.2x | 2,131 | $75,368 | $88,800 |
| 3 | 12967 | — | St. Lawrence County | 1.2x | 1,363 | $78,438 | $96,300 |
| 4 | 13630 | DeKalb Junction | St. Lawrence County | 1.3x | 1,307 | $67,000 | $85,100 |
| 5 | 12759 | Loch Sheldrake | Sullivan County | 1.3x | 1,835 | $60,656 | $77,500 |
| 6 | 13042 | Cleveland | Oneida County | 1.3x | 1,884 | $102,031 | $131,100 |
| 7 | 14739 | Friendship | Allegany County | 1.3x | 2,494 | $51,121 | $65,900 |
| 8 | 13635 | Edwards | St. Lawrence County | 1.3x | 1,283 | $74,583 | $96,300 |
| 9 | 14813 | Belmont | Allegany County | 1.3x | 2,465 | $68,750 | $89,900 |
| 10 | 14058 | Elba | Genesee County | 1.4x | 2,649 | $102,039 | $142,800 |
| 11 | 14715 | Bolivar | Allegany County | 1.4x | 2,374 | $51,641 | $73,500 |
| 12 | 14772 | Randolph | Cattaraugus County | 1.4x | 4,431 | $78,393 | $112,800 |
| 13 | 13464 | Smyrna | Chenango County | 1.4x | 1,154 | $55,711 | $80,200 |
| 14 | 13308 | Rome | Oneida County | 1.4x | 4,239 | $86,072 | $124,600 |
| 15 | 12934 | — | Clinton County | 1.5x | 1,147 | $76,167 | $111,100 |
| 16 | 13835 | — | Tioga County | 1.5x | 1,182 | $71,688 | $105,000 |
| 17 | 14711 | Belfast | Allegany County | 1.5x | 1,861 | $59,828 | $88,900 |
| 18 | 13652 | Hermon | St. Lawrence County | 1.5x | 1,876 | $65,203 | $96,900 |
| 19 | 14101 | Machias | Cattaraugus County | 1.5x | 1,984 | $70,083 | $104,400 |
| 20 | 14433 | Clyde | Wayne County | 1.5x | 4,319 | $67,656 | $101,000 |
| 21 | 13473 | Turin | Lewis County | 1.5x | 1,060 | $100,477 | $150,000 |
| 22 | 14489 | Lyons | Wayne County | 1.5x | 7,016 | $67,169 | $101,100 |
| 23 | 12916 | Brushton | Franklin County | 1.5x | 2,250 | $59,762 | $90,200 |
| 24 | 12957 | — | Franklin County | 1.5x | 1,721 | $57,839 | $87,700 |
| 25 | 13668 | Norwood | St. Lawrence County | 1.5x | 3,313 | $78,286 | $119,500 |
Frequently asked questions
Which ZIP codes in New York are easiest to buy into?
By median home price-to-income ratio, 10475 (New York) ranks near the top at about 0.5x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in New York?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in New York?
Visit the New York state page for the full ZIP table, demographics summary, and sortable income/housing columns.