ZIP code 10305

ZIP 10305 is a small city in Richmond County, New York, with 41,714 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #128 of 1,824 ranked by population — larger than 93% of them. The median age here is 44.1 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 10305 earn a median of $86,294 a year, 9.9% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 8.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 10305 is valued at $627,200, 106.7% above the national figure, while median gross rent runs $1,656 a month, 17.8% above the national figure, or roughly $19,872 across a full year. A household on the local median income would put about 23% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 7.3×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 65% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 7.3× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 10305 is tabulated inside Richmond County, New York, one of 13 ZIP areas the Census publishes for that county and 1,826 across New York. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 10305 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 10305 reports a median household income of $86,294, 15% below the $101,201 county median, and 9% above the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $627,200, 5% below the county figure and 169% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,656 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 10305 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 10305 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.