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New York city, NY

ZIP 10021 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10021

Median Home Value
$1,529,600
Median Rent
$2,943
Affordability Snapshot
$421,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,826/mo PITI).

23%
Rent-to-Income Ratio

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

9.8x
Home Price-to-Income Ratio

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

43.3 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 10021 in New York city, NY, a household would need roughly $421,000 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 $9,826. That is about 169% above the local median household income ($156,712), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
45.1%-31% vs US avg
x
Vacancy Rate
30.5%+196% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$1,529,600
Home Value
$2,943
Rent
1962
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 detached1.1%
  • 1-unit attached0.1%
  • 2-9 units4.2%
  • 10+ units94.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,529,600
Median rent$2,943
Owner-occupied45.1%
Vacant30.5%
Price-to-income9.8x
Est. income to buy$421,000