ZIP Code 10804 — New Rochelle, NY Home Prices (2026)
The typical home in ZIP 10804 (New Rochelle, New York) is worth about $1,278,000 at roughly $425 per square foot — 58% more expensive than the New Rochelle median and 335% more expensive than the typical U.S. home.
How 10804 compares
ZIP 10804 is one of the pricier ZIP codes in New Rochelle: its typical home value of $1,278,000 ranks #1 of the 3 New Rochelle ZIP codes we track (the citywide range runs from $571,000 in 10805 to $1,278,000 in 10804). Per square foot it costs about $425, against $378 for New Rochelle as a whole, $247 for New York, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 10804 | $1,278,000 | $425 |
| New Rochelle, NY | $808,000 | $378 |
| New York | $338,000 | $247 |
| United States | $294,000 | $195 |
Home value by size in 10804
Using this ZIP’s rate of about $425 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $425,000 |
| 1,500 sq ft | $637,500 |
| 2,000 sq ft | $850,000 |
| 2,500 sq ft | $1,062,500 |
| 3,000 sq ft | $1,275,000 |
Salary needed to buy a home in ZIP 10804
To buy the typical $1,278,000 home in ZIP 10804 with 20% down, you need a household income of roughly $348,000 a year (about $8,110 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $413,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $63,900 | $10,080/mo | $432,000/yr |
| 10% (+PMI) | $127,800 | $9,640/mo | $413,000/yr |
| 20% | $255,600 | $8,110/mo | $348,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 10804
At about $425 per square foot, here is roughly how much home different budgets get you in ZIP 10804:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $600k | 1410 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1760 sq ft | below the local median — condos, smaller or older homes |
| $1.00M | 2350 sq ft | below the local median — condos, smaller or older homes |
| $1.50M | 3530 sq ft | around the typical home here |
| $2.00M | 4710 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 10804 home.
Estimate a specific home in 10804
The estimator below is pre-set to ZIP 10804 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All New Rochelle ZIP codes by home value
Where 10804 sits among New Rochelle’s 3 ZIP codes:
ZIP 10804 home prices: frequently asked
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See the full New Rochelle home values page, all New York cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.