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New York city, NY

ZIP 10307 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10307

Median Home Value
$799,100
Median Rent
$1,496
Affordability Snapshot
$220,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,133/mo PITI).

13%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

44.5 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 10307 in New York city, NY, a household would need roughly $220,000 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 $5,133. That is about 58% above the local median household income ($138,807), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
32.0%-16% vs US avg
x
$799,100
Home Value
$1,496
Rent
1990
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached54.2%
  • 1-unit attached18.6%
  • 2-9 units26.3%
  • 10+ units0.8%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$799,100
Median rent$1,496
Owner-occupied83.5%
Vacant4.7%
Price-to-income5.8x
Est. income to buy$220,000