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The Normandie, #3D (Compass) The Normandie, #3D (Compass)
As low inventory continues to push up prices on the buying and selling side of the market in New York City, many local residents are wondering where to go next. Fortunately, there are still several great neighborhoods within the city limits where renters and buyers can find affordable homes that offer a host of other fringe benefits.

If you’re looking for affordability below 96th Street in Manhattan, you can’t go wrong in Yorkville. Widely known as the Upper East Side’s affordable neighborhood, Yorkville stretches from Third Avenue to the East River and from the East 90s down to the East 60s. While prices have risen in Yorkville over the past two years, the neighborhood still offers amazing value.

Compared to average rentals in Manhattan, which are now well over $5,000/month, CityRealty’s current Yorkville listings include a variety of one-bedroom units in the $2,500 to $2,900 range. On the buying side, there are also plenty of available options, with one-bedroom units, even in doorman buildings, often running between $700,000 and $950,000, well below Manhattan’s average residential home sale price, which in the second quarter of 2022 topped $2 million. Home searches in Yorkville occasionally even turn up true bargains, such as a one-bedroom unit in a coop on East 90th Street priced well below $300,000 (see below).
Better yet, affordability isn’t the only reason to rent or buy in Yorkville. With easy access to the 4, 5, and 6 train stops along Lexington Avenue, and Q train stops along Second Avenue, Yorkville also offers great transportation for anyone commuting downtown or uptown. Better yet, Yorkville and its nearby neighborhood, the Upper East Side, are both amenity-rich. Whether you’re looking for a rare grocery ingredient, an award-winning hairdresser, or a medical specialist in any field, you’ll likely be able to find one within walking distance.

246-East-90th-Street-01 246 East 90th Street, #3D (Elegran)
From the Listing: Situated on the third floor of a well-maintained co-op building, this apartment is bursting with potential. The layout of the home includes a kitchen, living room, bedroom and bathroom. Features include brick feature walls and wood flooring in the living room and bedroom. There are also large windows in the bedroom that let in an abundance of natural light. It is ready for a complete renovation. See floor plan and full details here.

220-East-87th-Street-01 220 East 87th Street, #PHF (Compass)
From the Listing: This sunny top floor one bedroom home features high ceilings (9.5 feet), recessed lighting throughout, hard wood floors, through-the-wall air conditioning, an entrance foyer, and a deep walk-in closet. Additionally, there is a separate home office area tucked away in the spacious living room - perfect for working from home. Laundry can be installed in unit. See floor plan and full details here.

218-East-82nd-Street-01 218 East 82nd Street, #1RW (Sotheby's International Realty)
From the Listing: Welcome to Residence 1RW at 218 East 82nd Street. A gracious entrance foyer leads to the open concept living/dining room with original exposed brick. The beautiful light maple hardwood floors are throughout the home, further enhanced by lofty ceilings up to 8’10’’ feet in height. A Juliet balcony overlooking your private garden is the ideal spot to have a morning coffee or enjoy the afternoon sun. The lower level of the apartment boasts three large closets, spacious dressing area and a marble bathroom. The generous outdoor patio is the perfect place to relax, with room to entertain, sunbathe and even plant if you have a green thumb. See floor plan and full details here.

525-East-89th-Street-01 Gracie Gardens, #5K (Brown Harris Stevens)
From the Listing: This spacious two-bedroom apartment has windows and light in every room. Enter through a beautiful entry foyer, with a winged layout featuring an eat-in kitchen and a separate dining area, west facing living room with tree top views, two spacious bedrooms, one of which has a view of the river plus excellent storage space. A neighboring one-bedroom apartment is also on the market, available for purchase and combine for a total of 4 bedrooms. See floor plan and full details here.

200-East-90th-Street The Whitney, #14BC (Compass)
From the Listing: With skyhigh city views from every room and flooded with sunlight throughout, the residence offers grand space and ample storage at an affordable price. Overlooking the East River from oversized bay windows, the expansive living room stretches for 29’ and has a dedicated dining area. In the home’s center is a 13’ long cook’s kitchen with two windows and more than enough room for a breakfast table. Also sporting river views, the primary bedroom with ensuite bathroom is in one wing of the residence, separated for privacy from the additional 2 bedrooms with shared second bathroom. See floor plan and full details here.

Harlem block
Upper Manhattan is technically many rather than one neighborhood and includes Harlem, Hamilton Heights, Washington Heights, and Inwood, as well as a number of niche sub-neighborhoods, including Sugar Hill and the Audubon Terrace.
Blessed with some of the city’s most unique residential architecture (e.g., Sugar Hill’s townhouses), these uptown neighborhoods have a lot to offer both renters and buyers. On the rental side, you can still find one-bedroom units in the low $2,000 range. On the buying side, it’s possible to find one-bedroom units under $600,000, even in doorman buildings, and if you qualify for an HDFC, you can find larger units for much less.
Historically rich, culturally diverse, and serviced by many subway lines, Uptown Manhattan is among the city’s final affordable places to rent and buy, but that doesn’t mean it is shabby. In an era before penthouse apartments, upper Washington Heights was where New Yorkers once went to build castles in the sky.

50-Park-Terrace-West-01 50 Park Terrace West, #2B (Access Property Group)
From the Listing: This absolutely darling 1-bed/1-bath checks off more or less every box on a discerning home buyer’s list: extra generous layout, beautiful light, open views over greenery, stunning period details, and lovely renovations. There’s an immediate sense of space when you walk in with the foyer opening to an expansive sunken living room, complete with lovely wrought iron railings and intricate woodwork around the deco arch. The kitchen with an extra-large eat-in area has been tastefully renovated with modern white shaker-style cabinetry, all stainless appliances, and quartz counters. See floor plan and full details here.

342-East-119th-Street-01 The Palm Rio, #4E (Triplemint)
From the Listing: You can’t help but smile when you open the door to this home and are greeted with sunny south-facing windows, the sounds of birds chirping outside your windows, and you have enough closet space to organize all of your belongings and a large open kitchen to prepare meals. The primary bedroom includes a walk-in closet and en-suite bathroom with a shower stall. There is a cheerful second bedroom and second bathroom with a tub. Tax abatement until 2031. See floor plan and full details here.

447-Fort-Washington-Avenue-01 The Pinehurst, #21 (Keller Williams)
From the Listing: This gracefully proportioned pre-war 2 bedroom corner apartment with high ceilings, an open kitchen, and oversized windows is for a buyer who doesn’t want to compromise! The full-size recently RENOVATED open kitchen is complete with stainless steel appliances, a window, and space for a dining table. The kitchen opens to a large living room with enough room for suburban size furniture and is accented by original details such as a floor to ceiling bay window. The bedroom wing is separated and private from the entertaining space, with each bedroom offering attractive proportions. The building has a newly renovated elevator, a new boiler, new windows, as well as updated common areas. See floor plan and full details here.

504-West-136th-Street-01 Hamilton Parc, #3B (Stone Crest, Inc.)
From the Listing: Beautiful 2-bedroom, 2-bath condo in an elevator building overlooking Jacob Schiff Park! The living/dining area has oversized windows with an expansive view. The open layout kitchen features granite countertops, stainless steel appliances, and an amazing wall pantry. Both bedrooms are very well-proportioned with southern exposures and substantial closet space. The primary bedroom has 2 closets and offers an en-suite bathroom with a step in shower. Tax abatement until 2032. See floor plan and full details here.

100-West-119th-Street-01 The Normandie, #3D (Compass)
From the Listing: This phenomenal four-bedroom home is Ideally located in close proximity to South Harlem’s prime eating establishments and great shopping. Residence 3D is a pin-drop quiet home that faces beautiful tree-lined 119th Street. It has been newly refinished and is equipped with central air, oak floors, crown moldings, and functional window treatment. The building has bike storage, a fitness room, a spacious children’s room, additional storage, and a phenomenal roof deck with stunning views. See floor plan and full details here.

The Bronx comprises many neighborhoods, including the leafy historic district known as Riverdale. If you’re a long-time New Yorker, Riverdale is likely familiar since it was once a popular destination for middle-class and even wealthy families. While Riverdale has since gained a reputation for being home to many retirees, in recent years, its spacious pre-war architecture and affordable prices have once again started to attract renters and buyers of all ages.
On the rental side, you can find one-bedroom units below $2,000/month. On the buying side, it’s still possible to find two-bedroom units in doorman buildings for less than $500,000, including a currently listed unit at the Skyview that even includes its own private outdoor space (see below). While Riverdale is a bit further afield than many other neighborhoods, its great architecture, family-friendly services, leafy parks, and affordability make it a great place to rent or buy.

5700-Arlington-Avenue Skyview Riverdale, #22W (Douglas Elliman)
From the Listing: Open sky and sparkling sunlight from 2 exposures are yours in this serenely quiet top-floor 2-bedroom plus windowed home office and 1-bath home. Views of the greenest parks and Hudson River create the tranquil setting from the terrace for your outdoor pleasure. The wonderfully spacious living room and dining area with hardwood floors are open to the expanded kitchen and breakfast bar with delightful entertaining possibilities. The extra-large refrigerator, dish washer, micro wave and range are all stainless steel. See floor plan and full details here.

3671-Hudson-Manor-Terrace-01 Manor Towers, #14H (Brown Harris Stevens)
From the Listing: Enter this fully renovated apartment to the spacious living room with a brick wall, custom built-in bookcases, dining alcove, crown molding throughout and beautifully finished hardwood flooring throughout the apartment. The chef’s kitchen with Carrara marble countertops and flooring and subway tile backsplash is appropriately appointed with white Shaker cabinets, stainless steel appliances, a Thor range and a Bosch dishwasher. The large main bedroom is ensuite with a fully renovated cathroom, a glassed tub/shower encased in white Carrara marble tile and flooring, white vanity and new water closet. See floor plan and full details here.

4465-Douglas-Avenue-01 Hayden on Hudson, #8H (Keller WIlliams)
From the Listing: This rare, impeccably renovated junior four features a full river view from every room and from a 44-foot private terrace. The owners put tremendous love and energy into a full remodel with a nod to the building’s one-of-a-kind mid-century modern design. Recent renovations include a full skim coating of the apartment, all new white oak flooring, reconditioned windows with custom treatments, smart thermostats with remote sensors, fully renovated kitchen and bath, and redesigned closets. See floor plan and full details here.

3935-Blackstone-Avenue-01 The Woodlands, #11G (Brown Harris Stevens)
From the Listing: Rarely available high floor 3-bedroom, 2 full bath corner apartment looks out on views of the Hudson River, Palisade cliffs, George Washington Bridge, NYC skyline, and Van Cortlandt Park. Apartment details include a private balcony, east and south exposures, large kitchen, updated bathrooms, a primary en-suite with dressing area and walk-in closet, a spacious dining-L, abundant closets and parquet wood floors throughout. See floor plan and full details here.

4745-Grosvenor-Avenue-01 4745 Grosvenor Avenue, #TH (Brown Harris Stevens)
From the Listing: This Tudor Revival style house was designed by architect Robert Siering and built in 1929 for Ernest Damiane at a time when the Fieldston neighborhood was being developed with homes in a variety of picturesque styles following the strict design guidelines of the Fieldston Property Owners Association. Set back from the street, on almost a quarter acre of level land, the property welcomes you with beautiful trees and lush greenery. The interior offers lots of natural light and from the stately entrance foyer you can appreciate the living room with its stone wood-burning fireplace, crown moldings, and French doors which open onto a private stone deck that steps down to a grassy lawn. See floor plan and full details here.

Windsor Terrace
Brooklyn’s affordability crisis was already becoming apparent back in 2015 when Le Bon Marché, a department store on the Left Bank in Paris, decided to adopt Brooklyn as the theme of its fall marketing campaign. Over the past seven years, the borough has become increasingly out of reach to renters and buyers. Still, there are a few Brooklyn neighborhoods where deals can be found from time to time, including Windsor Terrace.

Windsor Terrace has sometimes been cast as a great place to rent or buy but only if you can’t afford Park Slope. Unsurprisingly, fans of the neighborhood will tell you that Windsor Terrace isn’t just less expensive but also quieter and less pretentious than Park Slope. Best of all, it is one of the only New York City neighborhoods where front porches are a common architectural feature. But how much does front porch access on a leafy street in Windsor Terrace cost?
On the rental side, you can still occasionally find one-bedroom units under $2,500 per month in Windsor Terrace. On the buying side, it’s possible to find one-bedroom apartments for sale under $500,000 (see below), though such finds are rare. The key challenge in Windsor Terrace is low inventory, which is not surprising given that it lacks the high density found in many other affordable neighborhoods, including Yorkville, Upper Manhattan, and Riverdale. If you can find and secure a deal, however, the neighborhood has a lot to offer and is within walking distance to several other amenity-rich Brooklyn neighborhoods.

221-McDonald-Avenue-01 The Hamilton, #2M (Douglas Elliman)
From the Listing: Residence 2M of 221 McDonald Avenue captures the quintessential peace and tranquility of Brooklyn with the space and the value to match. You walk into a grand living room with enough space for a full living room set, including a sectional couch, a 10-foot piano, and even a library with additional fitted storage compartments. A large bright window which faces the front lawn allows in bright natural light, allowing the space to feel airy and alive which is a perfect setting to be with guests and loved ones. The kitchen space is an eat-in that features a window bar which lends well for stool seating at the counter. See floor plan and full details here.

651-Vanderbilt-Avenue-01 Park Vanderbilt, #2Z (Garfield Realty Corp.)
From the Listing: Gracious, quiet and overlooking the lush common garden, this home boasts hardwood parquet floors throughout, a windowed kitchen, and wonderful closet space. The original dining area, now an office with a loft bed, can be formally converted to a comfortable second bedroom. The co-op offers a common garden, a live-in super, two porters, a package room for all deliveries and two laundry rooms on the lobby level. See floor plan and full details here.

250-Seeley-Street-01 250 Seeley Street, #13 (Corcoran)
From the Listing: Three flights of stairs bring you to this sunny and quiet rear-facing two-bedroom apartment. The entrance hall -- a perfect canvas for a gallery of photos -- leads to a beautifully renovated windowed kitchen that boasts quartz countertops, tall maple cabinetry, stainless-steel appliances (including an induction range), bamboo floors, a glass-and-stone backsplash, and a large breakfast bar illuminated by three pendant lights and offers under-counter storage and seating for three. The living and dining room are flooded with light from two exposures. The primary bedroom has beautiful French doors that allow additional light to stream in from the living room and a double California Closet. With newly installed solar panels for the building, the monthly electrical credit is upwards of $40/month. See floor plan and full details here.

11-Terrace-Place-01 11 Terrace Place, #3F (Douglas Elliman)
From the Listing: Clocking in at 1,011 square feet, #3F at 11 Terrace Place offers everything on the wish list: two full bathrooms, in-unit washer/dryer, open stainless steel kitchen with Caesarstone countertops, large private terrace, private storage room, abated taxes until 2033, and yes, your very own deeded parking space! The large living room easily accommodates separate entertaining and dining areas; both bedrooms are ample in size, with the primary boasting an en-suite bath. Bonus perks include recessed lighting, through-the-wall A/C, soaking tub in the second bathroom and wildly low monthly carrying costs. See floor plan and full details here.

3001-Fort-Hamilton-Parkway-01 The Residence at Windsor Terrace, #4B (Compass)
From the Listing: This large 2-bed / 2-bath condo on the top floor of a four-story elevator building offers great light and classic Brooklyn rooftop views from over-sized windows throughout. The spacious living area offers ample room for living and dining, and the open kitchen features marble countertops, stainless steel appliances, and Italian cabinetry. The corner primary bedroom fits a king-size bed and room for much more, a wall of closets, ensuite bath with jacuzzi tub, and a large sunny balcony. Up one flight awaits your own large, corner deeded private roof deck with endless sky views; a deeded parking spot is also included, as well as a large storage unit in the basement. See floor plan and full details here.

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Contributing Writer Cait Etherington Cait Etherington has over twenty years of experience working as a journalist and communications consultant. Her articles and reviews have been published in newspapers and magazines across the United States and internationally. An experienced financial writer, Cait is committed to exposing the human side of stories about contemporary business, banking and workplace relations. She also enjoys writing about trends, lifestyles and real estate in New York City where she lives with her family in a cozy apartment on the twentieth floor of a Manhattan high rise.