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Larchmont village, NY

ZIP 10538 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10538

Median Home Value
$1,185,300
Median Rent
$1,945
Affordability Snapshot
$326,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,614/mo PITI).

13%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

50.8 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 10538 in Larchmont village, NY, a household would need roughly $326,000 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 $7,614. That is about 75% above the local median household income ($186,555), 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
78.3%+20% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
18.2%+23% vs US avg
x
Built Pre-1939
10.5%-18% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
20.5%-59% vs US avg
x
Mortgage-Free
32.1%-16% vs US avg
x
$1,185,300
Home Value
$1,945
Rent
1938
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached60.6%
  • 1-unit attached1.7%
  • 2-9 units5.3%
  • 10+ units32.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,185,300
Median rent$1,945
Owner-occupied78.3%
Vacant4.3%
Price-to-income6.4x
Est. income to buy$326,000