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Armonk CDP, NY

ZIP 10504 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10504

Median Home Value
$1,150,700
Median Rent
$1,857
Affordability Snapshot
$317,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,392/mo PITI).

9%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

51.6 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 10504 in Armonk CDP, NY, a household would need roughly $317,000 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 $7,392. That is about 28% above the local median household income ($247,433), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
94.9%+45% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
20.7%+40% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$1,150,700
Home Value
$1,857
Rent
1972
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached88.4%
  • 1-unit attached5.1%
  • 2-9 units1.1%
  • 10+ units5.0%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,150,700
Median rent$1,857
Owner-occupied94.9%
Vacant4.7%
Price-to-income4.7x
Est. income to buy$317,000