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Yonkers city, NY

ZIP 10703 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10703

Median Home Value
$477,500
Median Rent
$1,525
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,067/mo PITI).

24%
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.

26.1 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 10703 in Yonkers city, NY, a household would need roughly $131,000 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 $3,067. That is about 75% above the local median household income ($74,940), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.0%-17% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
30.0%-40% vs US avg
x
Mortgage-Free
45.4%+19% vs US avg
x
$477,500
Home Value
$1,525
Rent
1957
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached24.8%
  • 1-unit attached11.3%
  • 2-9 units33.5%
  • 10+ units30.0%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$477,500
Median rent$1,525
Owner-occupied54.0%
Vacant4.7%
Price-to-income6.4x
Est. income to buy$131,000