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Chestnut Ridge village, NY

ZIP 10977 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10977

Median Home Value
$602,300
Median Rent
$1,499
Affordability Snapshot
$166,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,869/mo PITI).

23%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

33.5 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 10977 in Chestnut Ridge village, NY, a household would need roughly $166,000 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 $3,869. That is about 114% above the local median household income ($77,724), 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
45.9%-30% vs US avg
x
Vacancy Rate
5.7%-45% vs US avg
x
Broadband Access
74.6%-14% vs US avg
x
4+ Bedrooms
15.7%+6% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
39.9%-20% vs US avg
x
Mortgage-Free
34.3%-10% vs US avg
x
$602,300
Home Value
$1,499
Rent
1973
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached39.8%
  • 1-unit attached9.1%
  • 2-9 units29.3%
  • 10+ units21.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$602,300
Median rent$1,499
Owner-occupied45.9%
Vacant5.7%
Price-to-income7.7x
Est. income to buy$166,000