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Orangeburg CDP, NY

ZIP 10962 — Housing & Real Estate

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

Wealthy AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10962

Median Home Value
$653,300
Median Rent
$1,375
Affordability Snapshot
$180,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,197/mo PITI).

10%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

39.6 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 10962 in Orangeburg CDP, NY, a household would need roughly $180,000 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 $4,197. That is roughly in line with the local median household income ($171,389). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.9%+33% vs US avg
x
Vacancy Rate
1.9%-81% vs US avg
x
Broadband Access
99.3%+14% vs US avg
x
4+ Bedrooms
11.5%-22% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.7%-42% vs US avg
x
Mortgage-Free
31.2%-18% vs US avg
x
$653,300
Home Value
$1,375
Rent
1967
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached84.2%
  • 1-unit attached0.0%
  • 2-9 units10.8%
  • 10+ units5.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$653,300
Median rent$1,375
Owner-occupied86.9%
Vacant1.9%
Price-to-income3.8x
Est. income to buy$180,000