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

Allegany has the lowest monthly housing payment in New York, at $726.

What is the monthly housing payment in Allegany?

Allegany is ranked #1 in New York for monthly housing payment, at $726.

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 2026-07), lowest first.

Lowest counties for monthly housing payment in New York

Rank	County	Value
01	Allegany$726 County page
02	St. Lawrence$765 County page
03	Chenango$846 County page
04	Chemung$847 County page
05	Cattaraugus$853 County page
06	Steuben$887 County page
07	Chautauqua$915 County page
08	Franklin$916 County page
09	Lewis$1,021 County page
10	Broome$1,037 County page
11	Herkimer$1,051 County page
12	Orleans$1,054 County page
13	Cortland$1,066 County page
14	Tioga$1,072 County page
15	Oswego$1,075 County page
16	Wyoming$1,087 County page
17	Montgomery$1,099 County page
18	Otsego$1,125 County page
19	Seneca$1,165 County page
20	Genesee$1,173 County page
21	Fulton$1,174 County page
22	Clinton$1,190 County page
23	Jefferson$1,196 County page
24	Cayuga$1,212 County page
25	Oneida$1,222 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 $726.
What is the monthly housing payment in Allegany?: Allegany is ranked #1 in New York for monthly housing payment, at $726.
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 2026-07), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.