US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 10004
  5. Housing & Real Estate
New York city, NY

ZIP 10004 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10004

Median Home Value
$1,866,400
Median Rent
$3,501
Affordability Snapshot
$514,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$11,989/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

8.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

44.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 10004 in New York city, NY, a household would need roughly $514,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $11,989. That is about 133% above the local median household income ($220,592), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
35.5%-46% vs US avg
x
Vacancy Rate
17.3%+68% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$1,866,400
Home Value
$3,501
Rent
1938
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached0.4%
  • 1-unit attached0.0%
  • 2-9 units4.0%
  • 10+ units95.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,866,400
Median rent$3,501
Owner-occupied35.5%
Vacant17.3%
Price-to-income8.5x
Est. income to buy$514,000