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New York city, NY

ZIP 10314 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10314

Median Home Value
$665,500
Median Rent
$1,540
Affordability Snapshot
$183,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,275/mo PITI).

18%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

36.0 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 10314 in New York city, NY, a household would need roughly $183,000 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 $4,275. That is about 75% above the local median household income ($104,655), 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
74.6%+14% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$665,500
Home Value
$1,540
Rent
1976
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 detached28.9%
  • 1-unit attached33.3%
  • 2-9 units30.0%
  • 10+ units7.7%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$665,500
Median rent$1,540
Owner-occupied74.6%
Vacant6.4%
Price-to-income6.4x
Est. income to buy$183,000