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Otisville village, NY

ZIP 10963 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10963

Median Home Value
$313,400
Median Rent
$784
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,013/mo PITI).

12%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

33.3 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 10963 in Otisville village, NY, a household would need roughly $86,000 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 $2,013. That is roughly in line with the local median household income ($79,265). 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
67.8%+4% vs US avg
x
Vacancy Rate
8.0%-22% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
33.7%-12% vs US avg
x
$313,400
Home Value
$784
Rent
1972
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 detached71.0%
  • 1-unit attached5.6%
  • 2-9 units10.5%
  • 10+ units12.7%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$313,400
Median rent$784
Owner-occupied67.8%
Vacant8.0%
Price-to-income4.0x
Est. income to buy$86,000