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Stony Point CDP, NY

ZIP 10980 — 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 10980

Median Home Value
$475,200
Median Rent
$1,420
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,053/mo PITI).

14%
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.

27.9 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 10980 in Stony Point CDP, NY, a household would need roughly $131,000 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 $3,053. That is roughly in line with the local median household income ($125,333). 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
87.3%+34% vs US avg
x
Vacancy Rate
5.2%-49% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
13.0%-12% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
36.0%-28% vs US avg
x
Mortgage-Free
41.6%+9% vs US avg
x
$475,200
Home Value
$1,420
Rent
1971
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached81.3%
  • 1-unit attached3.0%
  • 2-9 units6.5%
  • 10+ units1.9%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$475,200
Median rent$1,420
Owner-occupied87.3%
Vacant5.2%
Price-to-income3.8x
Est. income to buy$131,000