Which county in New York has the lowest monthly housing payment?

Allegany has the lowest monthly housing payment in New York, at $744.

What is the monthly housing payment in Allegany?

Allegany is ranked #1 in New York for monthly housing payment, at $744.

Counties With the Lowest Monthly Housing Payment in New York (2026)

Lowest counties for monthly housing payment in New York

Top 25 of 62 counties with data.

Ranked by monthly payment (piti) (Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized), Zillow 2026-09), lowest first.

Lowest counties for monthly housing payment in New York

Rank	County	Value
01	Allegany$744 County page
02	St. Lawrence$786 County page
03	Chemung$875 County page
04	Chenango$876 County page
05	Cattaraugus$883 County page
06	Steuben$905 County page
07	Franklin$937 County page
08	Chautauqua$948 County page
09	Lewis$1,042 County page
10	Broome$1,059 County page
11	Herkimer$1,071 County page
12	Orleans$1,089 County page
13	Oswego$1,097 County page
14	Tioga$1,098 County page
15	Cortland$1,100 County page
16	Montgomery$1,121 County page
17	Wyoming$1,128 County page
18	Otsego$1,155 County page
19	Seneca$1,186 County page
20	Genesee$1,193 County page
21	Fulton$1,199 County page
22	Clinton$1,210 County page
23	Jefferson$1,229 County page
24	Cayuga$1,234 County page
25	Oneida$1,248 County page

How this ranking works

This page ranks New York counties by monthly payment (piti), sorted so the lowest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For monthly housing payment, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh monthly housing payment against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of monthly payment (piti).

Frequently asked questions

Which county in New York has the lowest monthly housing payment?: Allegany has the lowest monthly housing payment in New York, at $744.
What is the monthly housing payment in Allegany?: Allegany is ranked #1 in New York for monthly housing payment, at $744.
How is this monthly housing payment ranking calculated?: Counties in New York are ranked by monthly payment (piti) (Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized), Zillow 2026-09), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.