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New York city, NY

ZIP 10028 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10028

Median Home Value
$1,600,400
Median Rent
$2,546
Affordability Snapshot
$441,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$10,281/mo PITI).

18%
Rent-to-Income Ratio

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

9.5x
Home Price-to-Income Ratio

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

52.4 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 10028 in New York city, NY, a household would need roughly $441,000 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 $10,281. That is about 162% above the local median household income ($168,125), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.9%-42% vs US avg
x
Vacancy Rate
15.7%+52% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
19.4%-61% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$1,600,400
Home Value
$2,546
Rent
1957
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 detached1.5%
  • 1-unit attached0.8%
  • 2-9 units6.9%
  • 10+ units90.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,600,400
Median rent$2,546
Owner-occupied37.9%
Vacant15.7%
Price-to-income9.5x
Est. income to buy$441,000