How much is a home worth in ZIP code 10304?

The typical home in 10304 is worth $702,936, based on the Zillow Home Value Index.

Are home values rising in 10304?

Home values in 10304 are up 5.1% over the past year, and up 3.8% a year over five years.

What is the typical rent in 10304?

A typical home in 10304 rents for about $2,709 a month, a gross rental yield of 4.6%.

What is the property tax rate in 10304?

The effective property tax rate in 10304 is 0.9% — roughly $6,070 a year on a typical home.

ZIP code 10304 has a population of 45,658 and a median household income of $71,561.

HousingHandbookReference data

…

U.S. ZIP Code · NY10304

Richmond County · New York-Newark-Jersey City, NY-NJ

Typical home value

$702,936^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +5.1%
5-year / yr: +3.8%
10-year / yr: +4.7%

Relative price

vs U.S.: +147.5%
vs metro: -3.6%
vs state: +120.6%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 10304 is worth $702,936 — 3.6% below the New York-Newark-Jersey City, NY-NJ median. Over the past year, values have risen 5.1%. Homes here rent for a typical $2,709 a month — a 4.6% gross rental yield. The effective property tax rate is 0.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,709^[2]
Gross yield: 4.6%^[2]
Cap rate: 2.8%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.9%^[3]
Typical annual tax: $6,070^[3]

#Climate risk

FEMA National Risk Index ratings for Richmond County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Relatively Moderate
Wildfire: Very Low
Drought: Very Low
Heat wave: Relatively High
Hurricane: Relatively Moderate
Tornado: Relatively Moderate
Earthquake: Relatively Moderate
Winter weather: Relatively High

#Who lives here

Population: 45,658^[3]
Median household income: $71,561^[3]

#Migration

Household moves in and out of Richmond County over a year, from IRS tax-return data.

Net migration: -1,804^[5]
Moved in: 9,007
Moved out: 10,811

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 10
Elementary: 6
Middle: 2
High: 2

PS 48 WILLIAM G WILCOX
Elementary · Grades PK–8 · NEW YORK CITY GEOGRAPHIC DISTRICT #31
988 students
PS 78
Elementary · Grades PK–5 · NEW YORK CITY GEOGRAPHIC DISTRICT #31
480 students
PS 57 HUBERT H HUMPHREY
Elementary · Grades PK–5 · NEW YORK CITY GEOGRAPHIC DISTRICT #31
431 students
IS 49 BERTA A DREYFUS
Middle · Grades 6–8 · NEW YORK CITY GEOGRAPHIC DISTRICT #31
392 students
NAPLES STREET ELEMENTARY SCHOOL
Elementary · Grades PK–5 · NEW YORK CITY GEOGRAPHIC DISTRICT #31
317 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield4.6%

Net yield (after ~40% expenses)2.8%

Annual rent$32,503

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$3,554

Loan principal$562,349

Down payment$140,587

Total interest paid$717,245

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.71

Monthly cost to own$4,644

Monthly rent$2,709

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 18th percentile^[1]
Rental yield: 36th percentile^[2]
Property tax: 21st percentile^[3]

Frequently asked

How much is a home worth in ZIP code 10304?: The typical home in 10304 is worth $702,936, based on the Zillow Home Value Index.
Are home values rising in 10304?: Home values in 10304 are up 5.1% over the past year, and up 3.8% a year over five years.
What is the typical rent in 10304?: A typical home in 10304 rents for about $2,709 a month, a gross rental yield of 4.6%.
What is the property tax rate in 10304?: The effective property tax rate in 10304 is 0.9% — roughly $6,070 a year on a typical home.
Who lives in 10304?: ZIP code 10304 has a population of 45,658 and a median household income of $71,561.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

07701 vs 10304 →
Red Bank, NJ
Typical home
$701,672
Gross yield
5.3%
11102 vs 10304 →
New York, NY
Typical home
$704,319
Gross yield
5.0%
07020
Edgewater, NJ
Typical home
$704,592
Gross yield
6.4%
11949
Manorville CDP, NY
Typical home
$704,780
Gross yield
4.0%
10965
Pearl River CDP, NY
Typical home
$705,244
Gross yield
—
10705
Yonkers, NY
Typical home
$700,398
Gross yield
4.4%

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#Jump to section

U.S. ZIP Code · NY10304

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