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Chester village, NY

ZIP 10918 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10918

Median Home Value
$424,700
Median Rent
$1,620
Affordability Snapshot
$117,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,728/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.8 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 10918 in Chester village, NY, a household would need roughly $117,000 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 $2,728. That sits below the local median household income ($147,011), 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
81.8%+25% vs US avg
x
Vacancy Rate
9.2%-11% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
11.9%-20% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
14.7%-70% vs US avg
x
Mortgage-Free
32.3%-15% vs US avg
x
$424,700
Home Value
$1,620
Rent
1982
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached74.2%
  • 1-unit attached6.8%
  • 2-9 units14.4%
  • 10+ units4.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$424,700
Median rent$1,620
Owner-occupied81.8%
Vacant9.2%
Price-to-income2.9x
Est. income to buy$117,000