NY cities
Cities in New York
We cover 595 Census places in New York, listed largest first. Every page carries the sourced New York lending rules that apply to borrowers there.
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All places in New York
- New York 8,258,035
- Buffalo 274,678
- Yonkers 207,657
- Rochester 207,274
- Syracuse 145,560
- Albany 101,228
- New Rochelle 83,742
- Mount Vernon 71,168
- Schenectady 68,544
- Utica 63,607
- White Plains 61,288
- Hempstead 58,225
- Troy 50,607
- Niagara Falls 47,599
- Binghamton 46,727
- Freeport 43,756
- Kiryas Joel 41,857
- Valley Stream 40,007
- Long Beach 34,595
- Spring Valley 32,969
- Ithaca 32,724
- Poughkeepsie 31,772
- Rome 31,652
- Harrison 30,780
- Port Chester 30,584
- Middletown 30,152
- North Tonawanda 30,031
- Saratoga Springs 28,544
- Newburgh 28,237
- Jamestown 27,965
- Glen Cove 27,879
- Lindenhurst 26,972
- Ossining 26,542
- Elmira 26,176
- Auburn 25,983
- Rockville Centre 25,578
- Peekskill 25,442
- Watertown 24,157
- Kingston 23,777
- Garden City 22,835
- Mineola 21,169
- Lockport 20,436
- Lynbrook 20,071
- Plattsburgh 19,867
- Lackawanna 19,593
- Mamaroneck 19,533
- Cohoes 18,206
- Amsterdam 18,093
- Scarsdale 17,747
- Cortland 17,276
- Oswego 17,022
- Massapequa Park 16,826
- Rye 16,202
- Floral Park 15,879
- Westbury 15,739
- Batavia 15,437
- Oneonta 15,331
- Beacon 15,025
- Kenmore 14,916
- Tonawanda 14,899
- Depew 14,891
- Johnson City 14,874
- Gloversville 14,843
- Glens Falls 14,507
- Olean 13,650
- Endicott 13,211
- Dunkirk 12,442
- Geneva 12,391
- Patchogue 12,337
- Haverstraw 12,226
- Babylon 12,106
- Tarrytown 11,691
- Woodbury 11,512
- Suffern 11,341
- Dobbs Ferry 11,309
- Fulton 11,248
- Lake Grove 11,021
- Great Neck 11,007
- Sleepy Hollow 10,962
- West Haverstraw 10,622
- Corning 10,612
- Mount Kisco 10,567
- Chestnut Ridge 10,526
- Canandaigua 10,480
- Watervliet 10,170
- Airmont 10,163
- New Hyde Park 10,129
- Oneida 10,094
- Massena 10,082
- Lancaster 10,047
- East Rockaway 10,010
- New Square 9,824
- Rye Brook 9,772
- Hamburg 9,744
- Amityville 9,577
- Monroe 9,477
- Fredonia 9,455
- Rensselaer 9,310
- Ogdensburg 9,304
- Newark 8,967
- Port Jervis 8,565
- New Paltz 8,552
- Farmingdale 8,502
- Potsdam 8,436
- Malverne 8,417
- Hastings-on-Hudson 8,307
- Croton-on-Hudson 8,136
- Port Jefferson 8,129
- Johnstown 8,099
- Hornell 8,049
- Geneseo 7,731
- Great Neck Plaza 7,651
- Baldwinsville 7,639
- Colonie 7,622
- Ilion 7,567
- Williston Park 7,459
- Hudson Falls 7,376
- Briarcliff Manor 7,319
- Cedarhurst 7,285
- Northport 7,273
- Pleasantville 7,255
- Nyack 7,244
- Herkimer 7,235
- East Hills 7,228
- Monticello 7,221
- Scotia 7,221
- Pelham 7,138
- Brockport 7,111
- Canton 7,064
- Walden 6,915
- Manorhaven 6,901
- Tuckahoe 6,900
- North Syracuse 6,763
- Lawrence 6,747
- Norwich 6,685
- Bayville 6,683
- Warwick 6,523
- Larchmont 6,493
- Solvay 6,484
- Irvington 6,417
- Bronxville 6,404
- Horseheads 6,367
- Wesley Hills 6,167
- East Rochester 6,158
- Wappingers Falls 6,046
- East Aurora 5,951
- Medina 5,906
- Hilton 5,891
- Hudson 5,790
- Salamanca 5,783
- Webster 5,749
- Goshen 5,733
- Albion 5,730
- Kaser 5,699
- Washingtonville 5,655
- Kings Point 5,622
- Pelham Manor 5,542
- Bath 5,539
- Williamsville 5,458
- New Hempstead 5,419
- Malone 5,400
- North Hills 5,370
- Fairport 5,353
- Liberty 5,130
- Elmsford 5,103
- Mechanicville 5,089
- Penn Yan 5,062
- Sea Cliff 4,995
- Island Park 4,976
- Ballston Spa 4,933
- Ardsley 4,916
- Saranac Lake 4,871
- Old Westbury 4,833
- Chittenango 4,810
- Flower Hill 4,791
- Alfred 4,789
- Waterloo 4,704
- Southampton 4,627
- Montebello 4,624
- Manlius 4,593
- Wellsville 4,566
- Little Falls 4,516
- Cobleskill 4,479
- Canastota 4,462
- Menands 4,461
- Dansville 4,346
- Waverly 4,270
- Le Roy 4,265
- Ellenville 4,174
- Fayetteville 4,170
- Springville 4,155
- Hamilton 4,100
- Owego 4,096
- Chester 3,996
- Cayuga Heights 3,925
- Pomona 3,882
- Lansing 3,855
- Saugerties 3,848
- South Blooming Grove 3,840
- Elmira Heights 3,797
- Catskill 3,763
- Montgomery 3,760
- Sloan 3,725
- South Glens Falls 3,717
- Sidney 3,660
- Spencerport 3,655
- Highland Falls 3,647
- Minoa 3,638
- Warsaw 3,629
- Islandia 3,627
- Gouverneur 3,617
- Whitesboro 3,591
- Perry 3,584
- Lloyd Harbor 3,537
- Muttontown 3,492
- Avon 3,437
- Tupper Lake 3,328
- Lowville 3,327
- Palmyra 3,275
- Carthage 3,264
- Ravena 3,213
- New York Mills 3,190
- Brightwaters 3,169
- Delhi 3,159
- Hoosick Falls 3,151
- Fort Edward 3,145
- Port Washington North 3,134
- Maybrook 3,132
- Tuxedo 3,111
- Great Neck Estates 3,087
- Homer 3,077
- Orchard Park 3,041
- Sloatsburg 3,012
- Cornwall-on-Hudson 3,008
- East Syracuse 3,002
- Sherrill 2,992
- Roslyn 2,990
- Greenwood Lake 2,983
- Lakewood 2,948
- Brookville 2,947
- Green Island 2,947
- Westfield 2,920
- Akron 2,883
- Walton 2,883
- Florida 2,867
- Mount Morris 2,839
- Honeoye Falls 2,825
- Voorheesville 2,804
- Lake Success 2,803
- Sag Harbor 2,785
- Munsey Park 2,765
- Cazenovia 2,739
- Sands Point 2,735
- Thomaston 2,718
- Coxsackie 2,717
- Victor 2,672
- Corinth 2,644
- Harriman 2,609
- East Williston 2,599
- Alden 2,594
- Yorkville 2,588
- Rhinebeck 2,584
- Silver Creek 2,583
- Greenport 2,561
- Blasdell 2,534
- Skaneateles 2,520
- Brewster 2,500
- Lewiston 2,500
- Piermont 2,499
- Whitehall 2,478
- Gowanda 2,456
- Attica 2,447
- Granville 2,416
- Mohawk 2,378
- Dannemora 2,343
- Frankfort 2,289
- Lake Placid 2,275
- Pulaski 2,269
- Liverpool 2,250
- Falconer 2,241
- Oyster Bay Cove 2,240
- Buchanan 2,215
- Rouses Point 2,210
- Phoenix 2,201
- Bellport 2,195
- Churchville 2,195
- Westhampton Beach 2,192
- Canisteo 2,172
- Clifton Springs 2,169
- Camden 2,143
- Fishkill 2,141
- Clyde 2,138
- Groton 2,114
- Lima 2,099
- Old Brookville 2,085
- Caledonia 2,080
- Canajoharie 2,053
- Waterford 2,026
- Angola 2,021
- Pawling 2,015
- Dolgeville 2,014
- Boonville 2,007
- Upper Nyack 1,996
- Scottsville 1,995
- Cold Spring 1,993
- Fort Plain 1,991
- Red Hook 1,949
- Arcade 1,925
- Stewart Manor 1,925
- Laurel Hollow 1,923
- Lattingtown 1,864
- Dryden 1,863
- New Hartford 1,862
- Phelps 1,856
- Central Square 1,840
- Cooperstown 1,837
- Youngstown 1,834
- Cambridge 1,796
- Oakfield 1,789
- Watkins Glen 1,788
- Weedsport 1,768
- Upper Brookville 1,763
- Marcellus 1,755
- West Carthage 1,754
- Village of the Branch 1,749
- Stillwater 1,748
- South Floral Park 1,731
- Holley 1,730
- Painted Post 1,729
- Valatie 1,709
- Wayland 1,705
- Clayton 1,701
- Sodus 1,701
- Atlantic Beach 1,697
- Quogue 1,697
- St. Johnsville 1,697
- Middleport 1,696
- Dundee 1,688
- Trumansburg 1,681
- Adams 1,678
- Port Dickinson 1,669
- Greenwich 1,667
- Franklinville 1,652
- Clinton 1,644
- Altamont 1,639
- Manchester 1,631
- Nissequogue 1,606
- Athens 1,583
- Wolcott 1,577
- Addison 1,564
- Montour Falls 1,563
- Chatham 1,557
- Mexico 1,557
- Allegany 1,555
- East Hampton 1,546
- Norwood 1,544
- Cuba 1,523
- Waterville 1,510
- Philmont 1,483
- Livonia 1,471
- Head of the Harbor 1,467
- Mayville 1,457
- Castleton-on-Hudson 1,456
- Plandome 1,452
- Millbrook 1,442
- Greene 1,434
- Huntington Bay 1,426
- Deposit 1,421
- Sherburne 1,369
- Shortsville 1,367
- Sackets Harbor 1,364
- Schuylerville 1,350
- Oriskany 1,344
- Broadalbin 1,342
- Oxford 1,332
- Pittsford 1,332
- Morrisville 1,328
- Hewlett Harbor 1,320
- Brocton 1,315
- Roslyn Estates 1,315
- Bloomfield 1,298
- Camillus 1,271
- North Collins 1,265
- Bainbridge 1,255
- Moravia 1,244
- Black River 1,237
- Port Byron 1,225
- Wilson 1,219
- Bergen 1,209
- Jordan 1,203
- Kensington 1,190
- North Haven 1,175
- Middleburgh 1,164
- Vernon 1,156
- Bellerose 1,153
- Kinderhook 1,153
- Nunda 1,151
- Philadelphia 1,150
- Champlain 1,142
- Hagaman 1,112
- Richfield Springs 1,087
- Unadilla 1,087
- Roslyn Harbor 1,085
- Nassau 1,081
- Union Springs 1,080
- Wurtsboro 1,077
- South Corning 1,073
- Stamford 1,070
- Little Valley 1,059
- Celoron 1,057
- Delevan 1,032
- Tivoli 1,012
- Dexter 1,008
- Bolivar 1,007
- Baxter Estates 1,006
- Lake George 1,005
- Plandome Heights 1,002
- Mill Neck 1,001
- Northville 998
- Otisville 994
- Castile 988
- Saddle Rock 981
- Bloomingburg 980
- McGraw 977
- Cattaraugus 965
- Naples 955
- Alexandria Bay 951
- Elbridge 951
- Schoharie 947
- Waddington 940
- Brownville 939
- Russell Gardens 930
- Hillburn 926
- Poquott 924
- Otego 913
- New Berlin 905
- Hancock 904
- Newark Valley 903
- Whitney Point 901
- Old Field 899
- Andover 895
- Tully 891
- Portville 887
- Marathon 883
- Sylvan Beach 881
- Millerton 880
- Woodsburgh 876
- Richmondville 874
- Windsor 865
- Round Lake 854
- Matinecock 847
- Belmont 837
- Avoca 835
- Sodus Point 829
- Plandome Manor 801
- Palatine Bridge 789
- Afton 786
- Belle Terre 785
- Lyndonville 785
- North Hornell 782
- Mayfield 781
- Earlville 772
- Arkport 771
- Fair Haven 771
- Candor 761
- Fultonville 760
- Theresa 747
- Chateaugay 744
- Sagaponack 736
- West Winfield 735
- Cleveland 731
- Cape Vincent 728
- Heuvelton 720
- Silver Springs 720
- Cohocton 718
- Woodridge 711
- Angelica 709
- Spencer 700
- Corfu 690
- Fonda 688
- Rushville 677
- Savona 675
- Victory 675
- Sherman 671
- Lacona 668
- Copenhagen 661
- Oriskany Falls 643
- Croghan 638
- Unionville 635
- Nelsonville 630
- Tuxedo Park 624
- Aurora 623
- Evans Mills 621
- Sandy Creek 621
- Interlaken 615
- Asharoken 602
- Chaumont 598
- Lyons Falls 594
- Port Leyden 594
- Elba 590
- Hammondsport 586
- Oneida Castle 583
- Tannersville 572
- Barker 571
- Sinclairville 567
- Nelliston 565
- Cassadaga 563
- Wampsville 563
- Hewlett Neck 560
- Newport 555
- South Dayton 550
- Schaghticoke 549
- Odessa 540
- Hannibal 538
- Ovid 532
- Cato 530
- Shoreham 522
- Morris 519
- East Nassau 514
- Antwerp 512
- Sharon Springs 498
- Alexander 496
- Margaretville 487
- Red Creek 485
- Wellsburg 483
- Poland 482
- Cherry Valley 476
- Fort Ann 473
- Hewlett Bay Park 468
- Cayuga 466
- Canaseraga 458
- Leicester 456
- Nichols 456
- Panama 455
- Valley Falls 450
- Freeville 449
- Munnsville 446
- Glen Park 445
- Parish 445
- Brushton 435
- Middleville 428
- Fort Johnson 427
- Riverside 424
- DeRuyter 420
- Hunter 411
- Remsen 411
- Richburg 410
- Speculator 402
- Milford 400
- Almond 398
- Holland Patent 393
- Centre Island 392
- Hobart 392
- Jeffersonville 392
- Wyoming 378
- Farnham 363
- Esperance 355
- Castorland 338
- Clayville 334
- Burdett 333
- Fabius 326
- Gilbertsville 326
- Lisle 326
- Rensselaer Falls 322
- Mannsville 320
- Madison 312
- Delanson 310
- Bemus Point 308
- Constableville 302
- Argyle 293
- Cove Neck 293
- Dresden 292
- Meridian 285
- Ellicottville 284
- Hammond 284
- Lodi 281
- Millport 279
- Franklin 277
- Grand View-on-Hudson 269
- Richville 262
- Cold Brook 260
- Deferiet 255
- Fleischmanns 229
- Gainesville 224
- Laurens 216
- Ellisburg 214
- Turin 213
- Smyrna 203
- Ocean Beach 168
- Burke 165
- Galway 159
- Ames 138
- West Hampton Dunes 117
- Saltaire 111
- Dering Harbor 35
Common questions
Frequently asked questions
Why is there a page for my city?
Because borrowing rules are state-level while loan pricing is borrower-level, a city page is the fastest way to see both: the sourced lending rules for your state and the population context for your area.
Do lenders offer different rates by city?
Generally no. A licensed lender applies the same pricing model across a state. Your rate is driven by your credit profile, income and debt-to-income ratio, not by the city you live in.