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New York city, NY

ZIP 10312 — 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 Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10312

Median Home Value
$698,900
Median Rent
$1,742
Affordability Snapshot
$192,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,490/mo PITI).

19%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

33.4 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 10312 in New York city, NY, a household would need roughly $192,000 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 $4,490. That is about 72% above the local median household income ($111,434), 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
81.6%+25% vs US avg
x
Vacancy Rate
5.2%-49% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
34.6%-10% vs US avg
x
$698,900
Home Value
$1,742
Rent
1981
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached42.5%
  • 1-unit attached31.8%
  • 2-9 units24.4%
  • 10+ units1.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$698,900
Median rent$1,742
Owner-occupied81.6%
Vacant5.2%
Price-to-income6.3x
Est. income to buy$192,000