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New York city, NY

ZIP 11004 — 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 11004

Median Home Value
$661,900
Median Rent
$1,867
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,252/mo PITI).

20%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

29.5 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 11004 in New York city, NY, a household would need roughly $182,000 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 $4,252. That is about 66% above the local median household income ($109,865), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics

Historic housing stock (31% built before 1939)

Owner Occupied
69.5%+6% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
31.0%+142% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.6%-69% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$661,900
Home Value
$1,867
Rent
1954
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 detached49.4%
  • 1-unit attached3.2%
  • 2-9 units38.4%
  • 10+ units8.5%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$661,900
Median rent$1,867
Owner-occupied69.5%
Vacant5.6%
Price-to-income6.0x
Est. income to buy$182,000