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New York city, NY

ZIP 10308 — 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 10308

Median Home Value
$648,800
Median Rent
$1,434
Affordability Snapshot
$179,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,168/mo PITI).

14%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

37.7 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 10308 in New York city, NY, a household would need roughly $179,000 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 $4,168. That is about 46% above the local median household income ($122,654), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.7%+22% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$648,800
Home Value
$1,434
Rent
1974
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached35.7%
  • 1-unit attached37.1%
  • 2-9 units26.3%
  • 10+ units0.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$648,800
Median rent$1,434
Owner-occupied79.7%
Vacant6.9%
Price-to-income5.3x
Est. income to buy$179,000