D

Mount Upton, NY

Source:

Affordability Score: 40/100

Population: 1,517 · 1 ZIP codes

The affordability dashboard for Mount Upton, NY aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 1,517 residents, then layers in county-level federal data to produce an overall grade of D (40/100). The headline inputs are median household income of $52,167, median home value of $206,900, median rent of $956 per month, and 13.1% 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 $973 per month (studio $848, 1BR $855, 3BR $1,353, 4BR $1,482). Department of Labor data lists infant center-based childcare at $12,844 per year, consuming 25% 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, housing, childcare. Unemployment currently reads 21.0% and poverty 5.6% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$52,167
Median household income
Education F
13.1%
Bachelor's degree or higher
Housing F
4.0x
Home value $206,900 vs income
Commute N/A
N/A
Average commute time
Rent B
$973/mo
2BR fair market rent (22% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$12,844/yr
Center-based infant care (25% of income)

Income & Employment

Median Income
$52,167
▼ 16% vs national
Per Capita Income
$27,704
Unemployment Rate
21.0%
Poverty Rate
5.6%

Housing

Median Home Value
$206,900
▼ 25% vs national
Median Rent
$956/mo
Owner Occupied
85.7%
2BR Fair Market Rent
$973/mo
▼ 19% vs national

Fair Market Rents by Bedroom

Studio
$848
1BR
$855
2BR
$973
3BR
$1,353
4BR
$1,482

Safety

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

Education & Family

Bachelor's Degree+
13.1%
▼ 17 ppt vs national
High School+
61.6%
Median Age
42.3
Avg. Commute

Childcare Costs

Infant (Center)
$12,844/yr
25% of income
Toddler (Center)
$11,960/yr
Preschool (Center)
$10,400/yr
School-Age (Center)
$10,088/yr

What This Means

Mount Upton, NY receives an overall affordability grade of D (40/100), aggregated from 1 ZIP codes with a total population of 1,517. Challenges include income and education and housing 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 Mount Upton, NY affordable?
Mount Upton, NY receives an overall affordability grade of D (40/100) based on Census, HUD, FBI, and DOL data. Median household income is $52,167. Median home value is $206,900.
What is the cost of living in Mount Upton?
Key cost metrics: Median rent $956/mo. 2BR fair market rent $973/mo. Infant childcare $12,844/yr. Median home value $206,900.
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 →