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Thiells CDP, NY

ZIP 10984 — 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 10984

Median Home Value
$541,700
Median Rent
$1,726
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,480/mo PITI).

19%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

26.2 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 10984 in Thiells CDP, NY, a household would need roughly $149,000 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 $3,480. That is about 36% above the local median household income ($109,583), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
91.4%+40% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
16.5%+11% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.5%-67% vs US avg
x
Mortgage-Free
48.5%+27% vs US avg
x
$541,700
Home Value
$1,726
Rent
1975
Year Built
1997
Moved In

Residents have lived here since ~1997 on average

Housing Structure

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

  • 1-unit detached87.3%
  • 1-unit attached1.9%
  • 2-9 units10.8%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$541,700
Median rent$1,726
Owner-occupied91.4%
Vacant0.0%
Price-to-income4.9x
Est. income to buy$149,000