ZIP Code 10304 — New York city, NY Demographics & Data

ZIP code 10304 covers New York, NY in Richmond County with a population of about 45,843.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 347, 718, 917, 929; U.S. House district NY-11; the NEW YORK media market.

New York, NY sits in a university / college context (near wagner college (0.7 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 10304 is about $71,506 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.8%; unemployment rate near 4.5%; 31.4% of adults with a bachelor’s degree or higher (about 2.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Transportation, and Education; about 8.2% of workers reporting work-from-home (about 7.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $659,900 — about 90% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,340 (about 15% above the U.S. median rent ($1,163)), and owner-occupancy near 49.4% (about 16.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10304 in New York, NY, a household would need roughly $182,000 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 $4,239. That is about 155% above the local median household income ($71,506), 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.

FEMA’s National Risk Index rates natural-hazard risk for New York city, NY as Relatively Moderate (composite score 91.0), which is among the highest nationally. The strongest component scores on US5 are flood (92.0) and hurricane (90.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for New York city, NY show little to no average snow and around 47.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,980 for ZIP 10304 (New York city, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.