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Housing is the largest annual expenditure for households in the United States (Bureau of Labor Statistics 2009).Housing affordability is traditionally measured using a ratio of housing costs to income, with those spending more than thirty percent of income on housing costs considered to be housing cost burdened (e.g., Jewkes and Delgadillo 2010).

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Times Union reports, "The report takes an especially close look at the affordability of community colleges. Its findings: Costs at New York’s community colleges are the sixth-highest in the nation and more than 50 percent above the national average. SUNY’s community college tuition averaged $2,900 in 2004-05, with three campuses cracking $3,000.