NY cities
Cities in New York
We cover 595 Census places in New York, listed largest first. Every page carries the sourced New York lending rules that apply to borrowers there.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
- 595 places
- Largest first
- New York rules apply
All places in New York
- New York 8,258,035
- Buffalo 274,678
- Yonkers 207,657
- Rochester 207,274
- Syracuse 145,560
- Albany 101,228
- New Rochelle 83,742
- Mount Vernon 71,168
- Schenectady 68,544
- Utica 63,607
- White Plains 61,288
- Hempstead 58,225
- Troy 50,607
- Niagara Falls 47,599
- Binghamton 46,727
- Freeport 43,756
- Kiryas Joel 41,857
- Valley Stream 40,007
- Long Beach 34,595
- Spring Valley 32,969
- Ithaca 32,724
- Poughkeepsie 31,772
- Rome 31,652
- Harrison 30,780
- Port Chester 30,584
- Middletown 30,152
- North Tonawanda 30,031
- Saratoga Springs 28,544
- Newburgh 28,237
- Jamestown 27,965
- Glen Cove 27,879
- Lindenhurst 26,972
- Ossining 26,542
- Elmira 26,176
- Auburn 25,983
- Rockville Centre 25,578
- Peekskill 25,442
- Watertown 24,157
- Kingston 23,777
- Garden City 22,835
- Mineola 21,169
- Lockport 20,436
- Lynbrook 20,071
- Plattsburgh 19,867
- Lackawanna 19,593
- Mamaroneck 19,533
- Cohoes 18,206
- Amsterdam 18,093
- Scarsdale 17,747
- Cortland 17,276
- Oswego 17,022
- Massapequa Park 16,826
- Rye 16,202
- Floral Park 15,879
- Westbury 15,739
- Batavia 15,437
- Oneonta 15,331
- Beacon 15,025
- Kenmore 14,916
- Tonawanda 14,899
- Depew 14,891
- Johnson City 14,874
- Gloversville 14,843
- Glens Falls 14,507
- Olean 13,650
- Endicott 13,211
- Dunkirk 12,442
- Geneva 12,391
- Patchogue 12,337
- Haverstraw 12,226
- Babylon 12,106
- Tarrytown 11,691
- Woodbury 11,512
- Suffern 11,341
- Dobbs Ferry 11,309
- Fulton 11,248
- Lake Grove 11,021
- Great Neck 11,007
- Sleepy Hollow 10,962
- West Haverstraw 10,622
- Corning 10,612
- Mount Kisco 10,567
- Chestnut Ridge 10,526
- Canandaigua 10,480
- Watervliet 10,170
- Airmont 10,163
- New Hyde Park 10,129
- Oneida 10,094
- Massena 10,082
- Lancaster 10,047
- East Rockaway 10,010
- New Square 9,824
- Rye Brook 9,772
- Hamburg 9,744
- Amityville 9,577
- Monroe 9,477
- Fredonia 9,455
- Rensselaer 9,310
- Ogdensburg 9,304
- Newark 8,967
- Port Jervis 8,565
- New Paltz 8,552
- Farmingdale 8,502
- Potsdam 8,436
- Malverne 8,417
- Hastings-on-Hudson 8,307
- Croton-on-Hudson 8,136
- Port Jefferson 8,129
- Johnstown 8,099
- Hornell 8,049
- Geneseo 7,731
- Great Neck Plaza 7,651
- Baldwinsville 7,639
- Colonie 7,622
- Ilion 7,567
- Williston Park 7,459
- Hudson Falls 7,376
- Briarcliff Manor 7,319
- Cedarhurst 7,285
- Northport 7,273
- Pleasantville 7,255
- Nyack 7,244
- Herkimer 7,235
- East Hills 7,228
- Monticello 7,221
- Scotia 7,221
- Pelham 7,138
- Brockport 7,111
- Canton 7,064
- Walden 6,915
- Manorhaven 6,901
- Tuckahoe 6,900
- North Syracuse 6,763
- Lawrence 6,747
- Norwich 6,685
- Bayville 6,683
- Warwick 6,523
- Larchmont 6,493
- Solvay 6,484
- Irvington 6,417
- Bronxville 6,404
- Horseheads 6,367
- Wesley Hills 6,167
- East Rochester 6,158
- Wappingers Falls 6,046
- East Aurora 5,951
- Medina 5,906
- Hilton 5,891
- Hudson 5,790
- Salamanca 5,783
- Webster 5,749
- Goshen 5,733
- Albion 5,730
- Kaser 5,699
- Washingtonville 5,655
- Kings Point 5,622
- Pelham Manor 5,542
- Bath 5,539
- Williamsville 5,458
- New Hempstead 5,419
- Malone 5,400
- North Hills 5,370
- Fairport 5,353
- Liberty 5,130
- Elmsford 5,103
- Mechanicville 5,089
- Penn Yan 5,062
- Sea Cliff 4,995
- Island Park 4,976
- Ballston Spa 4,933
- Ardsley 4,916
- Saranac Lake 4,871
- Old Westbury 4,833
- Chittenango 4,810
- Flower Hill 4,791
- Alfred 4,789
- Waterloo 4,704
- Southampton 4,627
- Montebello 4,624
- Manlius 4,593
- Wellsville 4,566
- Little Falls 4,516
- Cobleskill 4,479
- Canastota 4,462
- Menands 4,461
- Dansville 4,346
- Waverly 4,270
- Le Roy 4,265
- Ellenville 4,174
- Fayetteville 4,170
- Springville 4,155
- Hamilton 4,100
- Owego 4,096
- Chester 3,996
- Cayuga Heights 3,925
- Pomona 3,882
- Lansing 3,855
- Saugerties 3,848
- South Blooming Grove 3,840
- Elmira Heights 3,797
- Catskill 3,763
- Montgomery 3,760
- Sloan 3,725
- South Glens Falls 3,717
- Sidney 3,660
- Spencerport 3,655
- Highland Falls 3,647
- Minoa 3,638
- Warsaw 3,629
- Islandia 3,627
- Gouverneur 3,617
- Whitesboro 3,591
- Perry 3,584
- Lloyd Harbor 3,537
- Muttontown 3,492
- Avon 3,437
- Tupper Lake 3,328
- Lowville 3,327
- Palmyra 3,275
- Carthage 3,264
- Ravena 3,213
- New York Mills 3,190
- Brightwaters 3,169
- Delhi 3,159
- Hoosick Falls 3,151
- Fort Edward 3,145
- Port Washington North 3,134
- Maybrook 3,132
- Tuxedo 3,111
- Great Neck Estates 3,087
- Homer 3,077
- Orchard Park 3,041
- Sloatsburg 3,012
- Cornwall-on-Hudson 3,008
- East Syracuse 3,002
- Sherrill 2,992
- Roslyn 2,990
- Greenwood Lake 2,983
- Lakewood 2,948
- Brookville 2,947
- Green Island 2,947
- Westfield 2,920
- Akron 2,883
- Walton 2,883
- Florida 2,867
- Mount Morris 2,839
- Honeoye Falls 2,825
- Voorheesville 2,804
- Lake Success 2,803
- Sag Harbor 2,785
- Munsey Park 2,765
- Cazenovia 2,739
- Sands Point 2,735
- Thomaston 2,718
- Coxsackie 2,717
- Victor 2,672
- Corinth 2,644
- Harriman 2,609
- East Williston 2,599
- Alden 2,594
- Yorkville 2,588
- Rhinebeck 2,584
- Silver Creek 2,583
- Greenport 2,561
- Blasdell 2,534
- Skaneateles 2,520
- Brewster 2,500
- Lewiston 2,500
- Piermont 2,499
- Whitehall 2,478
- Gowanda 2,456
- Attica 2,447
- Granville 2,416
- Mohawk 2,378
- Dannemora 2,343
- Frankfort 2,289
- Lake Placid 2,275
- Pulaski 2,269
- Liverpool 2,250
- Falconer 2,241
- Oyster Bay Cove 2,240
- Buchanan 2,215
- Rouses Point 2,210
- Phoenix 2,201
- Bellport 2,195
- Churchville 2,195
- Westhampton Beach 2,192
- Canisteo 2,172
- Clifton Springs 2,169
- Camden 2,143
- Fishkill 2,141
- Clyde 2,138
- Groton 2,114
- Lima 2,099
- Old Brookville 2,085
- Caledonia 2,080
- Canajoharie 2,053
- Waterford 2,026
- Angola 2,021
- Pawling 2,015
- Dolgeville 2,014
- Boonville 2,007
- Upper Nyack 1,996
- Scottsville 1,995
- Cold Spring 1,993
- Fort Plain 1,991
- Red Hook 1,949
- Arcade 1,925
- Stewart Manor 1,925
- Laurel Hollow 1,923
- Lattingtown 1,864
- Dryden 1,863
- New Hartford 1,862
- Phelps 1,856
- Central Square 1,840
- Cooperstown 1,837
- Youngstown 1,834
- Cambridge 1,796
- Oakfield 1,789
- Watkins Glen 1,788
- Weedsport 1,768
- Upper Brookville 1,763
- Marcellus 1,755
- West Carthage 1,754
- Village of the Branch 1,749
- Stillwater 1,748
- South Floral Park 1,731
- Holley 1,730
- Painted Post 1,729
- Valatie 1,709
- Wayland 1,705
- Clayton 1,701
- Sodus 1,701
- Atlantic Beach 1,697
- Quogue 1,697
- St. Johnsville 1,697
- Middleport 1,696
- Dundee 1,688
- Trumansburg 1,681
- Adams 1,678
- Port Dickinson 1,669
- Greenwich 1,667
- Franklinville 1,652
- Clinton 1,644
- Altamont 1,639
- Manchester 1,631
- Nissequogue 1,606
- Athens 1,583
- Wolcott 1,577
- Addison 1,564
- Montour Falls 1,563
- Chatham 1,557
- Mexico 1,557
- Allegany 1,555
- East Hampton 1,546
- Norwood 1,544
- Cuba 1,523
- Waterville 1,510
- Philmont 1,483
- Livonia 1,471
- Head of the Harbor 1,467
- Mayville 1,457
- Castleton-on-Hudson 1,456
- Plandome 1,452
- Millbrook 1,442
- Greene 1,434
- Huntington Bay 1,426
- Deposit 1,421
- Sherburne 1,369
- Shortsville 1,367
- Sackets Harbor 1,364
- Schuylerville 1,350
- Oriskany 1,344
- Broadalbin 1,342
- Oxford 1,332
- Pittsford 1,332
- Morrisville 1,328
- Hewlett Harbor 1,320
- Brocton 1,315
- Roslyn Estates 1,315
- Bloomfield 1,298
- Camillus 1,271
- North Collins 1,265
- Bainbridge 1,255
- Moravia 1,244
- Black River 1,237
- Port Byron 1,225
- Wilson 1,219
- Bergen 1,209
- Jordan 1,203
- Kensington 1,190
- North Haven 1,175
- Middleburgh 1,164
- Vernon 1,156
- Bellerose 1,153
- Kinderhook 1,153
- Nunda 1,151
- Philadelphia 1,150
- Champlain 1,142
- Hagaman 1,112
- Richfield Springs 1,087
- Unadilla 1,087
- Roslyn Harbor 1,085
- Nassau 1,081
- Union Springs 1,080
- Wurtsboro 1,077
- South Corning 1,073
- Stamford 1,070
- Little Valley 1,059
- Celoron 1,057
- Delevan 1,032
- Tivoli 1,012
- Dexter 1,008
- Bolivar 1,007
- Baxter Estates 1,006
- Lake George 1,005
- Plandome Heights 1,002
- Mill Neck 1,001
- Northville 998
- Otisville 994
- Castile 988
- Saddle Rock 981
- Bloomingburg 980
- McGraw 977
- Cattaraugus 965
- Naples 955
- Alexandria Bay 951
- Elbridge 951
- Schoharie 947
- Waddington 940
- Brownville 939
- Russell Gardens 930
- Hillburn 926
- Poquott 924
- Otego 913
- New Berlin 905
- Hancock 904
- Newark Valley 903
- Whitney Point 901
- Old Field 899
- Andover 895
- Tully 891
- Portville 887
- Marathon 883
- Sylvan Beach 881
- Millerton 880
- Woodsburgh 876
- Richmondville 874
- Windsor 865
- Round Lake 854
- Matinecock 847
- Belmont 837
- Avoca 835
- Sodus Point 829
- Plandome Manor 801
- Palatine Bridge 789
- Afton 786
- Belle Terre 785
- Lyndonville 785
- North Hornell 782
- Mayfield 781
- Earlville 772
- Arkport 771
- Fair Haven 771
- Candor 761
- Fultonville 760
- Theresa 747
- Chateaugay 744
- Sagaponack 736
- West Winfield 735
- Cleveland 731
- Cape Vincent 728
- Heuvelton 720
- Silver Springs 720
- Cohocton 718
- Woodridge 711
- Angelica 709
- Spencer 700
- Corfu 690
- Fonda 688
- Rushville 677
- Savona 675
- Victory 675
- Sherman 671
- Lacona 668
- Copenhagen 661
- Oriskany Falls 643
- Croghan 638
- Unionville 635
- Nelsonville 630
- Tuxedo Park 624
- Aurora 623
- Evans Mills 621
- Sandy Creek 621
- Interlaken 615
- Asharoken 602
- Chaumont 598
- Lyons Falls 594
- Port Leyden 594
- Elba 590
- Hammondsport 586
- Oneida Castle 583
- Tannersville 572
- Barker 571
- Sinclairville 567
- Nelliston 565
- Cassadaga 563
- Wampsville 563
- Hewlett Neck 560
- Newport 555
- South Dayton 550
- Schaghticoke 549
- Odessa 540
- Hannibal 538
- Ovid 532
- Cato 530
- Shoreham 522
- Morris 519
- East Nassau 514
- Antwerp 512
- Sharon Springs 498
- Alexander 496
- Margaretville 487
- Red Creek 485
- Wellsburg 483
- Poland 482
- Cherry Valley 476
- Fort Ann 473
- Hewlett Bay Park 468
- Cayuga 466
- Canaseraga 458
- Leicester 456
- Nichols 456
- Panama 455
- Valley Falls 450
- Freeville 449
- Munnsville 446
- Glen Park 445
- Parish 445
- Brushton 435
- Middleville 428
- Fort Johnson 427
- Riverside 424
- DeRuyter 420
- Hunter 411
- Remsen 411
- Richburg 410
- Speculator 402
- Milford 400
- Almond 398
- Holland Patent 393
- Centre Island 392
- Hobart 392
- Jeffersonville 392
- Wyoming 378
- Farnham 363
- Esperance 355
- Castorland 338
- Clayville 334
- Burdett 333
- Fabius 326
- Gilbertsville 326
- Lisle 326
- Rensselaer Falls 322
- Mannsville 320
- Madison 312
- Delanson 310
- Bemus Point 308
- Constableville 302
- Argyle 293
- Cove Neck 293
- Dresden 292
- Meridian 285
- Ellicottville 284
- Hammond 284
- Lodi 281
- Millport 279
- Franklin 277
- Grand View-on-Hudson 269
- Richville 262
- Cold Brook 260
- Deferiet 255
- Fleischmanns 229
- Gainesville 224
- Laurens 216
- Ellisburg 214
- Turin 213
- Smyrna 203
- Ocean Beach 168
- Burke 165
- Galway 159
- Ames 138
- West Hampton Dunes 117
- Saltaire 111
- Dering Harbor 35
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
Frequently asked questions
Why is there a page for my city?
Emergency-loan rules are state-level while pricing is borrower-level, so a city page is the fastest way to see both: the sourced lending rules for your state and the population context for your area.
Do lenders offer different emergency-loan rates by city?
Generally no. A licensed lender applies the same pricing model across a state. Your rate is driven by your credit profile, income and debt-to-income ratio, not by the city you live in.