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Heritage Hills CDP, NY

ZIP 10589 — 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 10589

Median Home Value
$521,200
Median Rent
$3,147
Affordability Snapshot
$143,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,348/mo PITI).

31%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

4.2x
Home Price-to-Income Ratio

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

13.8 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 10589 in Heritage Hills CDP, NY, a household would need roughly $143,000 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 $3,348. That is about 16% above the local median household income ($123,293), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.8%+39% vs US avg
x
Vacancy Rate
12.0%+17% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
48.1%-3% vs US avg
x
Mortgage-Free
53.5%+40% vs US avg
x
$521,200
Home Value
$3,147
Rent
1985
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached38.1%
  • 1-unit attached56.0%
  • 2-9 units5.6%
  • 10+ units0.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$521,200
Median rent$3,147
Owner-occupied90.8%
Vacant12.0%
Price-to-income4.2x
Est. income to buy$143,000