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White Plains city, NY

ZIP 10605 — 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 10605

Median Home Value
$761,200
Median Rent
$1,966
Affordability Snapshot
$210,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,890/mo PITI).

16%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

32.3 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 10605 in White Plains city, NY, a household would need roughly $210,000 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 $4,890. That is about 44% above the local median household income ($145,587), 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
74.5%+14% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
6.1%-52% 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
41.6%+9% vs US avg
x
$761,200
Home Value
$1,966
Rent
1956
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 detached48.9%
  • 1-unit attached5.6%
  • 2-9 units7.0%
  • 10+ units38.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$761,200
Median rent$1,966
Owner-occupied74.5%
Vacant7.1%
Price-to-income5.2x
Est. income to buy$210,000