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New York city, NY

ZIP 10003 — Housing & Real Estate

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

Wealthy AreaLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10003

Median Home Value
$1,137,000
Median Rent
$2,671
Affordability Snapshot
$313,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,304/mo PITI).

21%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

35.5 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 10003 in New York city, NY, a household would need roughly $313,000 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 $7,304. That is about 104% above the local median household income ($153,750), 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

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
34.7%-47% vs US avg
x
Vacancy Rate
18.4%+79% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
0.4%-98% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
51.0%+34% vs US avg
x
$1,137,000
Home Value
$2,671
Rent
1938
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached1.0%
  • 1-unit attached0.2%
  • 2-9 units9.7%
  • 10+ units89.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,137,000
Median rent$2,671
Owner-occupied34.7%
Vacant18.4%
Price-to-income7.4x
Est. income to buy$313,000