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New York city, NY

ZIP 10012 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10012

Median Home Value
$1,500,000
Median Rent
$2,618
Affordability Snapshot
$413,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,636/mo PITI).

24%
Rent-to-Income Ratio

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

11.5x
Home Price-to-Income Ratio

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

47.7 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 10012 in New York city, NY, a household would need roughly $413,000 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 $9,636. That is about 215% above the local median household income ($130,938), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
21.5%-67% vs US avg
x
Vacancy Rate
18.3%+77% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
57.6%+51% vs US avg
x
$1,500,000
Home Value
$2,618
Rent
1938
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached0.3%
  • 1-unit attached0.6%
  • 2-9 units20.5%
  • 10+ units78.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,500,000
Median rent$2,618
Owner-occupied21.5%
Vacant18.3%
Price-to-income11.5x
Est. income to buy$413,000