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New Rochelle city, NY

ZIP 10801 — 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 10801

Median Home Value
$555,000
Median Rent
$1,606
Affordability Snapshot
$153,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,565/mo PITI).

23%
Rent-to-Income Ratio

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

6.6x
Home Price-to-Income Ratio

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

28.8 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 10801 in New Rochelle city, NY, a household would need roughly $153,000 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 $3,565. That is about 83% above the local median household income ($83,534), 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
38.9%-41% vs US avg
x
Vacancy Rate
5.2%-49% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
28.6%-42% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$555,000
Home Value
$1,606
Rent
1953
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 detached27.4%
  • 1-unit attached4.2%
  • 2-9 units23.5%
  • 10+ units43.9%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$555,000
Median rent$1,606
Owner-occupied38.9%
Vacant5.2%
Price-to-income6.6x
Est. income to buy$153,000