Thursday, October 1, 2026
First in a series about housing on Long Island.
On Long Island, where the cost of living continues to climb, the term “affordable housing” is often misunderstood — or dangerously oversimplified.
According to the U.S. Department of Housing and Urban Development, housing is considered affordable if it costs no more than 30 percent of a household’s gross income. But even in Nassau and Suffolk counties, where the median household income hovers around $125,000, many families find themselves priced out of both the rental and homeownership markets.
This series — “Priced Out: the Fight for Affordable Housing” — begins by laying the groundwork: breaking down terms like “affordable” and “low-income” housing, and clarifying how programs like Section 8 fit in. It also examines who is impacted — not only low-income residents, but also middle-class workers, retirees on fixed incomes, and young adults trying to remain in the communities where they grew up.
Through interviews with housing experts and advocates, and an analysis of Long Island housing data, this first installment provides context to help readers understand the scale and complexity of the crisis — and sets the stage for further installments in the weeks ahead.
According to HUD, “affordable housing” means housing that is affordable for people with low to moderate incomes. The definition of “low income” is based on Area Median Income, or AMI, which varies by region and household size.
Affordable housing should cost no more than 30 percent of a household’s monthly income — whether that’s rent and utilities for renters, or mortgage and housing expenses for homeowners. Households spending more than that are considered “cost burdened,” with many forced to sacrifice other essentials like food, transportation and health care.
A 2024 report by State Comptroller Thomas DiNapoli found that nearly 3 million New York households spend more than 30 percent of their income on housing. One in five households experiences a “severe cost burden,” devoting more than half of their income to housing.
On Long Island, 36 percent of households fall into the cost-burdened category.
Programs like Section 8 — part of the public housing system administered by HUD — provide housing assistance for low-income residents. Eligibility varies by location, as does the availability of units.
On Long Island, some village or town-level housing authorities administer public housing and Section 8 programs, though inventory is usually small or senior-focused, according to information from the Long Island Center for Independent Living.
Hunter Gross, vice president of the Huntington Township Housing Coalition — which advocates for the Long Island Housing Coalition — said that Long Island’s housing crisis touches a wide range of residents.
“The affordable housing crisis on Long Island is affecting you unless you’re rich,” Gross said simply. “It’s affecting most people, regardless of ethnicity, skin color and profession.”
April Francis Taylor, acting president of ERASE Racism, said that the housing crisis disproportionately impacts minority communities due to extensive segregation in Long Island’s housing market. She added that there is often an implicit bias among residents about who affordable housing is designed to serve.
“It isn’t just about welfare,” Taylor said.
Many families — particularly in communities of color — have not had the economic opportunity to accumulate generational wealth, Taylor explained. That wealth is often passed down in the form of cash, investments or property.
Those who have never owned homes are still playing catch-up, she said. And the harder it is for them to purchase homes, the harder it becomes to improve their economic conditions. This reinforces the need for fair housing in achieving racial equity, a key mission of ERASE Racism.
“There’s generational things, there’s racial things — the economic piece of those is huge,” Taylor said.
One of the policies that helps address the issue, Gross explained, is inclusionary zoning, which sets aside a portion of apartment units at below market rates.
Currently, Long Island has income-restricted rental housing funded by low-income tax credits, as well as workforce housing, Section 8 housing and senior affordable housing developments. But, Gross said, there is not nearly enough of it.
Expanding the types of affordable housing on Long Island — while increasing access to what already exists — is essential to meeting the needs of all demographics, he said. That includes building more accessory dwelling units, higher-density housing, and senior housing options, so older residents can downsize and make room for younger families in the market.
“It’s a domino effect,” Gross said.
Without meaningful efforts to make Long Island more affordable, young professionals looking to start families are leaving, he added. The median home price continues to climb, making ownership less attainable. “There’s a mass exodus of young professionals because they can’t afford a home here,” Gross said. “We’re losing so many folks.”
When young people are driven out of communities, the National Low Income Housing Coalition states, it weakens local economies by shrinking the workforce and straining public services.
Expanding affordable housing, Gross said, would help lower housing prices across the board.
A 2024 study by Urban Wire, a blog by the Urban Institute, found that new housing construction in areas with less restrictive zoning laws resulted in lower prices — evidence of which was observed in Houston, Texas.
But that’s only part of the picture. On Long Island, Gross said, there are still many barriers to building affordable housing. Zoning laws, land-use policies and a lack of public assistance all need to be addressed comprehensively.
“The only way we can actually make a difference in this crisis is by changing our policy,” Gross said. “We can work with our town boards, but they have to be willing to accept the reality of the crisis that we’re in and agree we really need to start making changes.”
A Herald analysis of 1,052 homes currently listed on Redfin, a real estate brokerage website, across 27 municipalities in Nassau and Suffolk counties and surrounding areas reveals a regional housing market under pressure, with high prices and a shrinking pool of affordable homes.
The analysis covered listings in Amityville, Babylon, Baldwin, Bellmore, East Meadow, East Rockaway, Elmont, the Five Towns, Franklin Square, Freeport, Glen Cove, Glen Head, Hempstead, Island Park, Long Beach, Lynbrook, Malverne, Massapequa, Merrick, Oceanside, Oyster Bay, Rockville Centre, Sea Cliff, Seaford, Uniondale, Valley Stream, Wantagh and West Hempstead.
Across all listings, the median home price was $809,500, roughly 9.5 times the median income, according to U.S. Census data. The homes averaged 2,161 square feet. Only 0.76 percent of the listings — just eight homes — were under $255,000, and considered affordable under a standard affordability metric, with prices no more than three times the median household income of $85,000.
Oyster Bay and Glen Head had the highest average list prices, more than $3.4 million, with their average home sizes nearing 5,000 square feet. Homes in the top 5 percent of the market cost more than $2.57 million, with several listings above $10 million.
The most expensive home per square foot was a 320-square-foot bungalow in Freeport listed at an eye-popping $2,343 per square foot, more than four times the regional average.
Other towns with high price-per-square-foot values included Sea Cliff and Oceanside, all indicating strong demand for smaller, high-end properties in desirable waterfront or coastal-adjacent locations.
A handful of communities — East Rockaway, Freeport, Lynbrook, Rockville Centre and Valley Stream— had the only listings flagged as potentially affordable. Each had one or two homes priced below $255,000.
Still, these were outliers. In most towns, even entry-level listings exceeded $600,000. The average price per square foot across the region was $510, but several areas exceeded $600, making them among the most expensive for their size.
The gap between municipalities is stark. The average home in Oyster Bay costs nearly five times as much as the average home in Freeport.
Despite the variety of housing stock, most homes shared certain characteristics: around four bedrooms, two to three bathrooms, and measuring between 1,700 and 2,400 square feet.
With prices elevated and affordability metrics strained, first-time buyers and middle-income families face daunting odds in securing homeownership on Long Island without substantial wealth or financing.
