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Yonkers city, NY

ZIP 10704 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10704

Median Home Value
$508,100
Median Rent
$1,814
Affordability Snapshot
$140,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,264/mo PITI).

20%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

23.3 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 10704 in Yonkers city, NY, a household would need roughly $140,000 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 $3,264. That is about 27% above the local median household income ($110,097), 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
63.4%-3% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
4.4%-71% vs US avg
x
Built Pre-1939
12.2%-5% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
41.3%+8% vs US avg
x
$508,100
Home Value
$1,814
Rent
1954
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached35.8%
  • 1-unit attached4.4%
  • 2-9 units30.5%
  • 10+ units28.7%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$508,100
Median rent$1,814
Owner-occupied63.4%
Vacant4.3%
Price-to-income4.6x
Est. income to buy$140,000