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New York city, NY

ZIP 10005 — 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 10005

Median Home Value
$1,387,200
Median Rent
$3,501
Affordability Snapshot
$382,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,911/mo PITI).

20%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

33.0 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 10005 in New York city, NY, a household would need roughly $382,000 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 $8,911. That is about 80% above the local median household income ($211,810), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
17.1%-74% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
96.9%+11% vs US avg
x
4+ Bedrooms
0.1%-99% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.4%-69% vs US avg
x
Mortgage-Free
58.2%+52% vs US avg
x
$1,387,200
Home Value
$3,501
Rent
1938
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached3.6%
  • 1-unit attached0.6%
  • 2-9 units1.6%
  • 10+ units94.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,387,200
Median rent$3,501
Owner-occupied17.1%
Vacant20.6%
Price-to-income6.5x
Est. income to buy$382,000