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, NY

ZIP 10986 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10986

Median Home Value
$594,700
Median Rent
$1,583
Affordability Snapshot
$164,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,820/mo PITI).

31.3 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 10986 in NY, a household would need roughly $164,000 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 $3,820. 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.

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Housing Metrics
Owner Occupied
85.8%+31% vs US avg
x
Vacancy Rate
4.7%-55% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
39.2%+3% vs US avg
x
$594,700
Home Value
$1,583
Rent
1958
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached83.7%
  • 1-unit attached1.9%
  • 2-9 units14.3%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$594,700
Median rent$1,583
Owner-occupied85.8%
Vacant4.7%
Est. income to buy$164,000