As of May 2026, the FRC Corporate-CAI for a Police Officer at this employer stands at 10% β meaning 90% of local housing inventory is mathematically out of reach based on standardized underwriting at $85,000 median salary. Source: FinanceRateCalc.com Corporate-CAI, BLS OEWS, Zillow ZHVI.
A New York City police officer at the median salary of $85,000 would need 68% of gross income for the median NYC home. Only 5% of the metro area is financially accessible.
New York City requires police officers to live within city limits for the first year of service. After that, officers can move to New York State or certain neighboring states. The majority of NYPD officers with families live in Staten Island, the outer boroughs, or Nassau/Suffolk counties β the only areas where a police officer's salary allows homeownership.
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π¦ Ask Zai β π Set AlertData Disclaimer: Salary data is programmatically aggregated from the U.S. Bureau of Labor Statistics (BLS) and public employer disclosures. Housing affordability metrics are estimates based on FRC proprietary algorithms and current market rates. This analysis is for informational and educational purposes only, and does not constitute financial advice, official endorsement, employment verification, or any affiliation with the named entities. All company names and trademarks are property of their respective owners. FinanceRateCalc.com is an independent financial education platform with no commercial relationship with any employer mentioned.
Affordability tells you what the numbers allow. It does not tell you whether a lender will say yes — and that varies more than almost anyone realises.
A 63.4-point spread between the busiest FHA lenders here, in the same federal loan program.
CFPB HMDA 2025, computed by FinanceRateCalc. Figures cover the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. Free, CC BY 4.0, not independently reproduced.