ZIP Code 10003 — New York, New York

The median home in 10003 is valued at $1,137,000 against a median household income of $153,750, a price-to-income ratio of 7.4. 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, 10003 ranks 11 of 41 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.8. Renting takes 21.6% of median household income (median rent $2,772 a month), under the 30% cost-burden threshold.

10003 ranks 121 of 1,572 statewide on median household income and 43 of 1,572 on median home value; its income is above the $132,518 New York County median. 35% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 82% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 12.7%, above the 9.9% statewide ZIP median. Unemployment stands at 4.9%.

With 89,708 residents per square mile across 0.6 square miles of land, 10003 is far denser than the statewide ZIP median of 197 (rank 13 of 1,572). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.