New York City ZIP Code Housing & Income Report July 2026

What it actually costs to live in each corner of New York City's five boroughs, ranked across 178 ZIP codes by home value, income, rent and affordability.

By the NYC Zip Codes Data Team · Updated July 2026 · Source: U.S. Census Bureau (ACS 5-Year Estimates)

Housing costs in New York City are not distributed evenly, and the gap is widest where you might not expect it. The typical home here is worth $738,400 while the typical household earns $88,366 a year. That is a ratio of about 8.4 to 1. Housing economists generally treat anything above 5 to 1 as severely unaffordable, which means the metro as a whole sits well past that line before you look at a single neighborhood. This report breaks the metro down ZIP code by ZIP code to show where the pressure actually lands.

The most expensive ZIP codes

The top of the market is concentrated in a handful of areas. 10007 in Manhattan leads at $2,000,001, roughly 2.7 times the metro median.

Note: the Census Bureau top-codes median home value at $2,000,001, so the highest-value ZIP codes share that ceiling figure even though their true medians differ. 4 ZIP codes in this study are at the cap.

Where incomes are highest

Income and home value track each other loosely, but not perfectly. Several ZIP codes carry high housing costs on distinctly middle-class incomes, which is what drives the affordability strain in the next section.

The affordability squeeze: where homes cost the most per dollar earned

This is the most revealing way to read the data. Instead of raw price, it ranks each ZIP code by how many years of typical local income the typical local home costs. The areas at the top of this list are not always the most expensive in absolute terms, which is exactly the point: residents there face the steepest climb relative to what they actually earn.

A ratio above 5 is the conventional threshold for "severely unaffordable." At the top of this table the multiple reaches 33×, meaning a household earning the local median would need that many years of entire pre-tax income to cover a median home outright. That gap is the practical reason ownership rates fall and rent burdens rise in these neighborhoods.

The most affordable ZIP codes

At the other end, 10475 in Bronx has the metro's lowest median home value at $33,200.

Methodology

Figures come from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates, the most reliable small-area source for income and housing. We analyzed 183 New York City ZIP codes and, for the value-based rankings, excluded those with fewer than 1,000 residents or no reliable owner-occupied housing sample, leaving 178. Home values use median value of owner-occupied units (B25077); income uses median household income (B19013); rent uses median gross rent (B25064). The affordability ratio is median home value divided by median household income for the same ZIP code, a standard "median multiple" measure. Dollar figures are rounded. For official data, visit data.census.gov.

Frequently asked questions

Explore the data

This report is built from individual profiles for every ZIP code in the metro: