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West Point CDP, NY

ZIP 10928 — 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 10928

Median Home Value
$307,800
Median Rent
$1,474
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,977/mo PITI).

18%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

17.4 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 10928 in West Point CDP, NY, a household would need roughly $85,000 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 $1,977. That sits below the local median household income ($96,106), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
59.4%-9% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.0%-46% vs US avg
x
Mortgage-Free
28.0%-27% vs US avg
x
$307,800
Home Value
$1,474
Rent
1958
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached52.2%
  • 1-unit attached4.0%
  • 2-9 units21.0%
  • 10+ units8.5%
  • Mobile home & other14.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$307,800
Median rent$1,474
Owner-occupied59.4%
Vacant6.8%
Price-to-income3.2x
Est. income to buy$85,000