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Mount Kisco village, NY

ZIP 10549 — 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 10549

Median Home Value
$652,800
Median Rent
$1,592
Affordability Snapshot
$180,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,193/mo PITI).

16%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

34.2 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 10549 in Mount Kisco village, NY, a household would need roughly $180,000 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 $4,193. That is about 47% above the local median household income ($122,327), 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
74.4%+14% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$652,800
Home Value
$1,592
Rent
1967
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 detached44.1%
  • 1-unit attached12.3%
  • 2-9 units19.5%
  • 10+ units24.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$652,800
Median rent$1,592
Owner-occupied74.4%
Vacant8.4%
Price-to-income5.3x
Est. income to buy$180,000