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Yonkers city, NY

ZIP 10705 — 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 10705

Median Home Value
$445,600
Median Rent
$1,433
Affordability Snapshot
$123,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,862/mo PITI).

25%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

25.9 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 10705 in Yonkers city, NY, a household would need roughly $123,000 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 $2,862. That is about 79% above the local median household income ($68,616), 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
36.4%-44% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
10.7%-16% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$445,600
Home Value
$1,433
Rent
1955
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 detached20.6%
  • 1-unit attached3.0%
  • 2-9 units25.4%
  • 10+ units51.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$445,600
Median rent$1,433
Owner-occupied36.4%
Vacant4.0%
Price-to-income6.5x
Est. income to buy$123,000