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New York city, NY

ZIP 10128 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10128

Median Home Value
$1,295,600
Median Rent
$2,539
Affordability Snapshot
$357,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,323/mo PITI).

20%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

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

42.5 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 10128 in New York city, NY, a household would need roughly $357,000 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 $8,323. That is about 140% above the local median household income ($148,705), 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
32.3%-51% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$1,295,600
Home Value
$2,539
Rent
1960
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached1.1%
  • 1-unit attached2.2%
  • 2-9 units4.6%
  • 10+ units92.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,295,600
Median rent$2,539
Owner-occupied32.3%
Vacant16.1%
Price-to-income8.7x
Est. income to buy$357,000