NYC Housing Reality Check

Enter your income and savings. We'll tell you what's realistically available.

Quick Triage Tool

What does NYC housing actually look like for you?

Four numbers, four verdicts — rent, co-op, condo, and affordable housing — using the same math as the full calculators. This page won't match your accounts down to the penny like the full comparison dashboard does; it's built to answer "where do I even start?" in under a minute.

Showing a sample profile until you enter and save your own numbers below.
Your numbers
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"Liquid savings" is treated as one fully-available pool for this quick check — cash, brokerage, everything combined. The full calculators let you break that down by account and liquidity %.

What's holding you back?
Housing typeLimiting factor
Rent—
Co-op—
Condo—

Knowing which constraint binds tells you what actually moves the number: if cash is the limit, more savings raises your ceiling; if income/DTI is the limit, paying down debt or increasing income does. See the comparison dashboard's "What binding constraint means" section for the full explanation, or run your exact numbers there once you know which lever to pull.

How this works

This page runs your income, savings, and debts through the same rent (40× rule), co-op (board DTI + reserves), condo (lender DTI + closing costs), and affordable housing (HUD AMI) math as the individual calculators — just with a single "liquid savings" number instead of a full account-by-account breakdown, and no separately editable assumptions panel. The Rent verdict (Comfortable / Stretch / Unlikely) reflects whether your savings or your income screening is the tighter constraint at your max affordable rent.

For a precise number — factoring in retirement vs. brokerage vs. cash liquidity, your building's actual maintenance or common charges, or a specific target price — open the relevant calculator above, or the full comparison dashboard for all three side by side.