F

Masonville, NY

Source:

Affordability Score: 39/100

Population: 391 · 1 ZIP codes

The affordability dashboard for Masonville, NY aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 391 residents, then layers in county-level federal data to produce an overall grade of F (39/100). The headline inputs are median household income of $45,000, median home value of $132,400, median rent of $1,125 per month, and 7.2% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,033 per month (studio $813, 1BR $884, 3BR $1,437, 4BR $1,490). Department of Labor data lists infant center-based childcare at $12,844 per year, consuming 29% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education, childcare. Unemployment currently reads 5.4% and poverty 24.2% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$45,000
Median household income
Education F
7.2%
Bachelor's degree or higher
Housing B-
2.9x
Home value $132,400 vs income
Commute N/A
N/A
Average commute time
Rent C
$1,033/mo
2BR fair market rent (28% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$12,844/yr
Center-based infant care (29% of income)

Income & Employment

Median Income
$45,000
▼ 27% vs national
Per Capita Income
$25,399
Unemployment Rate
5.4%
Poverty Rate
24.2%

Housing

Median Home Value
$132,400
▼ 52% vs national
Median Rent
$1,125/mo
Owner Occupied
76.8%
2BR Fair Market Rent
$1,033/mo
▼ 14% vs national

Fair Market Rents by Bedroom

Studio
$813
1BR
$884
2BR
$1,033
3BR
$1,437
4BR
$1,490

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
7.2%
▼ 23 ppt vs national
High School+
58.0%
Median Age
53.9
Avg. Commute

Childcare Costs

Infant (Center)
$12,844/yr
29% of income
Toddler (Center)
$11,960/yr
Preschool (Center)
$10,400/yr
School-Age (Center)
$10,088/yr

What This Means

Masonville, NY receives an overall affordability grade of F (39/100), aggregated from 1 ZIP codes with a total population of 391. Challenges include income and education and childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Masonville, NY affordable?
Masonville, NY receives an overall affordability grade of F (39/100) based on Census, HUD, FBI, and DOL data. Median household income is $45,000. Median home value is $132,400.
What is the cost of living in Masonville?
Key cost metrics: Median rent $1,125/mo. 2BR fair market rent $1,033/mo. Infant childcare $12,844/yr. Median home value $132,400.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →