Site Directory
Everything on the site, on one page
All 205 pages, grouped by what you're trying to figure out. If you'd rather start from your own numbers, the Housing Reality Check is the quickest way in.
Calculators 13
All math runs in your browser; nothing you type is sent anywhere.
- NYC Housing Reality Check
- NYC Co-op Affordability
- NYC Condo Affordability
- NYC Rent Affordability
- NYC Affordable Housing Calculator
- Compare All Options
- How Do I Afford More?
- Down Payment Savings Planner
- NYC Rent vs Buy Calculator
- Rate & Maintenance Sensitivity
- NYC Cost to Move Calculator
- NYC Sale Net Proceeds Calculator
- Required Salary Calculator
Guides 31
Sourced explainers on NYC's housing rules. Browse all guides
Renting
- Breaking a Lease in NYC: What You Could Owe
- FARE Act: Who Pays Broker Fees in NYC Now
- Good Cause Eviction in NYC, Explained
- How Much Does It Cost to Move in NYC?
- NYC Guarantor Companies: What They Cost and When to Use One
- NYC Rent Stabilization Explained: What Tenants Should Know
- NYC's 40x Rent Rule Explained
- Security Deposits & Move-In Costs for NYC Renters
Buying
- 485-x Tax Abatement: What It Means for NYC Condo Buyers
- CEMA in NYC: How to Cut Mortgage Recording Tax
- Co-op vs Condo in NYC: What Actually Costs More
- Condo Common Charges in NYC, Explained
- How Mortgage Rates Change What You Can Afford in NYC
- How Much Down Payment Do You Need for a NYC Apartment?
- How Much Income Do You Need to Buy a NYC Apartment?
- NYC Closing Costs for Buyers: The Full Breakdown
- NYC Co-op and Condo Property Tax Abatement Explained
- NYC Mansion Tax Explained: 2026 Tiers and the $1 Cliff
- NYC Pied-à-Terre Tax Explained: Who Owes It Starting 2026
- NYC Seller Closing Costs Explained: What You Actually Net
- PMI on NYC Condos: When You Need It and How Much It Costs
- Rent vs Buy in NYC: How to Actually Run the Comparison
Co-ops
Affordable Housing
Glossary 45
Plain-English definitions of NYC housing terms. Open the glossary
- 40x Rule
- 485-x Tax Abatement
- AMI (Area Median Income)
- Board Package
- Broker Fee
- CEMA (Consolidation, Extension and Modification Agreement)
- Certificate of Occupancy (C of O)
- Co-op Sublet Policy
- Common Charges
- Contract of Sale
- DTI (Debt-to-Income Ratio)
- Escrow Account (Property Tax and Insurance)
- FARE Act
- FICA Tax
- Flip Tax
- Good Faith Deposit
- Guarantor
- HDFC Co-op
- Housing Choice Voucher (Section 8)
- Key Money
- Maintenance (Co-op)
- Mansion Tax
- Mortgage Points (Discount Points)
- Mortgage Recording Tax (MRT)
- Net Effective Rent
- NYC Local Income Tax (NYC Resident Tax)
- NYC Real Property Transfer Tax (RPTT)
- NYS Real Estate Transfer Tax
- Offering Plan
- Post-Closing Liquidity
- Preferential Rent
- Private Mortgage Insurance (PMI)
- Proprietary Lease
- Rate Lock
- Renewal Lease
- Rent Guidelines Board (RGB)
- Rent Stabilization
- Security Deposit
- Special Assessment
- Sponsor Unit
- STAR Exemption
- Take-Home Pay (Net Pay)
- Title Insurance
- Underlying Mortgage
- Working Capital Contribution
By the numbers
Pre-calculated pages at common values. Each one links to a calculator where you can enter your exact figure.
What your income affords 23
Max rent, co-op, and condo at a given salary.
Salary after taxes 26
Federal, NY State, NYC, and FICA take-home by filing status.
What it takes to buy 20
Income and cash needed for a co-op or condo at a given price.
Neighborhoods 10
Cited rent and sale prices, plus the income each takes. Borough names link to borough guides. All neighborhoods
Data
- NYC Affordability Index: citywide median rent and co-op price, each with its source and as-of date