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Montrose CDP, NY

ZIP 10548 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10548

Median Home Value
$445,900
Median Rent
$1,404
Affordability Snapshot
$123,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,864/mo PITI).

12%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

26.5 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 10548 in Montrose CDP, NY, a household would need roughly $123,000 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 $2,864. That sits below the local median household income ($140,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.7%+22% vs US avg
x
Vacancy Rate
12.3%+20% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
8.4%-34% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
23.3%-39% vs US avg
x
$445,900
Home Value
$1,404
Rent
1958
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached62.4%
  • 1-unit attached7.1%
  • 2-9 units19.1%
  • 10+ units7.2%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$445,900
Median rent$1,404
Owner-occupied79.7%
Vacant12.3%
Price-to-income3.2x
Est. income to buy$123,000