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Bedford CDP, NY

ZIP 10506 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10506

Median Home Value
$1,097,800
Median Rent
$3,188
Affordability Snapshot
$302,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,052/mo PITI).

15%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.7 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 10506 in Bedford CDP, NY, a household would need roughly $302,000 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 $7,052. That is about 21% above the local median household income ($250,001), 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
96.7%+48% vs US avg
x
Vacancy Rate
7.6%-26% vs US avg
x
Broadband Access
97.1%+12% vs US avg
x
4+ Bedrooms
25.3%+71% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
36.3%-5% vs US avg
x
$1,097,800
Home Value
$3,188
Rent
1968
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 detached98.6%
  • 1-unit attached0.8%
  • 2-9 units0.3%
  • 10+ units0.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,097,800
Median rent$3,188
Owner-occupied96.7%
Vacant7.6%
Price-to-income4.4x
Est. income to buy$302,000