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, NY

ZIP 10505 — 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 10505

Median Home Value
$859,500
Median Rent
$1,208
Affordability Snapshot
$237,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,521/mo PITI).

10%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

59.3 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 10505 in NY, a household would need roughly $237,000 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 $5,521. That is about 63% above the local median household income ($145,250), 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
69.3%+6% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
80.0%-8% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
55.3%+11% vs US avg
x
Mortgage-Free
22.2%-42% vs US avg
x
$859,500
Home Value
$1,208
Rent
2004
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached70.9%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units29.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$859,500
Median rent$1,208
Owner-occupied69.3%
Vacant0.0%
Price-to-income5.9x
Est. income to buy$237,000