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Croton-on-Hudson village, NY

ZIP 10520 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10520

Median Home Value
$669,900
Median Rent
$1,768
Affordability Snapshot
$184,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,303/mo PITI).

15%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

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

31.6 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 10520 in Croton-on-Hudson village, NY, a household would need roughly $184,000 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 $4,303. That is about 31% above the local median household income ($140,018), 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
69.4%+6% vs US avg
x
Vacancy Rate
8.0%-22% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
26.9%-46% vs US avg
x
Mortgage-Free
34.5%-10% vs US avg
x
$669,900
Home Value
$1,768
Rent
1961
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 detached55.4%
  • 1-unit attached8.4%
  • 2-9 units16.0%
  • 10+ units19.7%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$669,900
Median rent$1,768
Owner-occupied69.4%
Vacant8.0%
Price-to-income4.8x
Est. income to buy$184,000