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Northwest Harbor CDP, NY

ZIP 11937 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11937

Median Home Value
$1,009,100
Median Rent
$2,672
Affordability Snapshot
$278,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,482/mo PITI).

26%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

31.5 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 11937 in Northwest Harbor CDP, NY, a household would need roughly $278,000 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 $6,482. That is about 127% above the local median household income ($122,489), 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

Vacancy rate 40% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
39.5%+284% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
10.9%-26% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
48.7%-2% vs US avg
x
Mortgage-Free
43.2%+13% vs US avg
x
$1,009,100
Home Value
$2,672
Rent
1980
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached89.7%
  • 1-unit attached1.7%
  • 2-9 units4.0%
  • 10+ units0.3%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,009,100
Median rent$2,672
Owner-occupied76.6%
Vacant39.5%
Price-to-income8.2x
Est. income to buy$278,000