A household is above the affordability threshold when it spends more than 30% of its household income on cost of housing
Cost of housing is taken as Gross Rent for renters and Selected monthly owner costs for owners From the Census Bureau Glossary:
Gross Rent: The amount of the contract rent plus the estimated average monthly cost of utilities (electricity, gas, and water and sewer) and fuels (oil, coal, kerosene, wood, etc.) if these are paid for by the renter (or paid for the renter by someone else). Gross rent is intended to eliminate differentials which result from varying practices with respect to the inclusion of utilities and fuels as part of the rental payment.
Selected monthly owner costs: Selected monthly owner costs are calculated from the sum of payment for mortgages, real estate taxes, various insurances, utilities, fuels, mobile home costs, and condominium fees.
For these analysis Upstate New York is defined as all counties north of Rockland and Westchester County. Downstate is defined as Rockland and Westchester County, the 5 boroughs in New York City and the two counties on Long Island.
All money amounts are adjusted for inflation and are in 2012 dollars
Households with zero or negative income are excluded from the analyses