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New York city, NY

ZIP 10305 — 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 10305

Median Home Value
$627,200
Median Rent
$1,483
Affordability Snapshot
$173,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,029/mo PITI).

21%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

35.2 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 10305 in New York city, NY, a household would need roughly $173,000 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 $4,029. That is about 100% above the local median household income ($86,294), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
65.0%-1% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
28.7%-42% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$627,200
Home Value
$1,483
Rent
1974
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached24.4%
  • 1-unit attached30.5%
  • 2-9 units30.4%
  • 10+ units14.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$627,200
Median rent$1,483
Owner-occupied65.0%
Vacant7.2%
Price-to-income7.3x
Est. income to buy$173,000