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, NY

ZIP 10973 — 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 10973

Median Home Value
$379,400
Median Rent
$1,369
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,437/mo PITI).

12%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.1 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 10973 in NY, a household would need roughly $104,000 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 $2,437. That sits below the local median household income ($133,508), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
86.8%+33% vs US avg
x
Vacancy Rate
7.6%-26% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
16.2%+9% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
45.0%-9% vs US avg
x
Mortgage-Free
22.3%-42% vs US avg
x
$379,400
Home Value
$1,369
Rent
1981
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached81.6%
  • 1-unit attached1.2%
  • 2-9 units8.8%
  • 10+ units1.2%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$379,400
Median rent$1,369
Owner-occupied86.8%
Vacant7.6%
Price-to-income2.8x
Est. income to buy$104,000