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Pearl River CDP, NY

ZIP 10965 — 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 10965

Median Home Value
$560,200
Median Rent
$1,865
Affordability Snapshot
$154,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,599/mo PITI).

16%
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.

25.0 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 10965 in Pearl River CDP, NY, a household would need roughly $154,000 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 $3,599. That is roughly in line with the local median household income ($136,970). 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
76.1%+16% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
7.4%-43% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.0%-29% vs US avg
x
Mortgage-Free
38.2%-0% vs US avg
x
$560,200
Home Value
$1,865
Rent
1959
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.5%
  • 1-unit attached3.5%
  • 2-9 units17.8%
  • 10+ units8.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$560,200
Median rent$1,865
Owner-occupied76.1%
Vacant5.6%
Price-to-income4.1x
Est. income to buy$154,000