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New York city, NY

ZIP 10304 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10304

Median Home Value
$659,900
Median Rent
$1,340
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,239/mo PITI).

22%
Rent-to-Income Ratio

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

9.2x
Home Price-to-Income Ratio

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

41.0 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 10304 in New York city, 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.4%-24% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$659,900
Home Value
$1,340
Rent
1966
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached32.1%
  • 1-unit attached13.1%
  • 2-9 units25.3%
  • 10+ units28.6%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$659,900
Median rent$1,340
Owner-occupied49.4%
Vacant9.3%
Price-to-income9.2x
Est. income to buy$182,000