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Valley Cottage CDP, NY

ZIP 10989 — 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 10989

Median Home Value
$512,700
Median Rent
$1,889
Affordability Snapshot
$141,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,293/mo PITI).

17%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

22.6 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 10989 in Valley Cottage CDP, NY, a household would need roughly $141,000 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 $3,293. That is roughly in line with the local median household income ($131,501). 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
88.4%+35% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
7.9%-47% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.1%-57% vs US avg
x
Mortgage-Free
40.8%+7% vs US avg
x
$512,700
Home Value
$1,889
Rent
1971
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached65.0%
  • 1-unit attached1.8%
  • 2-9 units29.4%
  • 10+ units3.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$512,700
Median rent$1,889
Owner-occupied88.4%
Vacant5.9%
Price-to-income3.9x
Est. income to buy$141,000