ZIP Code 10001 — New York, New York

The median home in 10001 is valued at $793,000 against a median household income of $123,393, a price-to-income ratio of 6.4. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within New York County, 10001 ranks 5 of 41 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.8. Renting takes 29.4% of median household income (median rent $3,024 a month), under the 30% cost-burden threshold.

10001 ranks 254 of 1,572 statewide on median household income and 154 of 1,572 on median home value; its income is below the $132,518 New York County median. 24% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 72% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 15.5%, far above the 9.9% statewide ZIP median. Unemployment stands at 6.1%.

With 48,465 residents per square mile across 0.6 square miles of land, 10001 is far denser than the statewide ZIP median of 197 (rank 65 of 1,572). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.