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New Rochelle city, NY

ZIP 10804 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10804

Median Home Value
$894,100
Median Rent
$1,945
Affordability Snapshot
$246,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,743/mo PITI).

11%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

38.3 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 10804 in New Rochelle city, NY, a household would need roughly $246,000 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 $5,743. That is roughly in line with the local median household income ($220,089). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
94.8%+45% vs US avg
x
Vacancy Rate
1.1%-89% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
18.4%+24% vs US avg
x
Built Pre-1939
10.1%-21% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
7.0%-86% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$894,100
Home Value
$1,945
Rent
1952
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 detached84.5%
  • 1-unit attached0.9%
  • 2-9 units0.6%
  • 10+ units13.6%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$894,100
Median rent$1,945
Owner-occupied94.8%
Vacant1.1%
Price-to-income4.1x
Est. income to buy$246,000