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FRC Employer Affordability Report Β· May 2026

NYPD Officers
New York, NY

"NYPD officers protect New York. They can't afford to live in it."
🚨 Housing Affordability Score
5%
of homes within 30 minutes of NYPD Officers's New York campus are affordable on the median employee salary of $85,000/yr.
Median Employee Salary
$85,000/yr
Median Home Price β€” New York
$800,000
Monthly PITI (20% down)
$4,129/mo
Income Required
$137,633/yr needed
πŸ“ Nearest Affordable ZIP Code
Staten Island, NY
12 miles from NYPD Officers campus Β· ZIP 10303
πŸ“Š FRC Corporate Affordability Index (CAI) β€” May 2026

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.

The Reality

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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Data 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.

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