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Shrub Oak CDP, NY

ZIP 10588 — Housing & Real Estate

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

Wealthy AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10588

Median Home Value
$522,400
Median Rent
$1,281
Affordability Snapshot
$144,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,356/mo PITI).

9%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

34.0 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 10588 in Shrub Oak CDP, NY, a household would need roughly $144,000 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 $3,356. That sits below the local median household income ($171,598), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
65.3%-0% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$522,400
Home Value
$1,281
Rent
1970
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached51.4%
  • 1-unit attached6.7%
  • 2-9 units13.5%
  • 10+ units28.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$522,400
Median rent$1,281
Owner-occupied65.3%
Vacant5.5%
Price-to-income3.0x
Est. income to buy$144,000