ZIP Code 10039 — New York, New York

The median home in 10039 is valued at $478,200 against a median household income of $48,792, a price-to-income ratio of 9.8. 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, 10039 ranks 29 of 41 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.8. Renting takes 29.8% of median household income (median rent $1,211 a month), under the 30% cost-burden threshold.

10039 ranks 1,481 of 1,572 statewide on median household income and 384 of 1,572 on median home value; its income is far below the $132,518 New York County median. 15% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 27% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 28.2%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 17.2%.

With 101,707 residents per square mile across 0.3 square miles of land, 10039 is far denser than the statewide ZIP median of 197 (rank 6 of 1,572). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.