At June 2026, Zillow’s ZIP-level ZORI for this ZIP is $4,609 per month, an observed typical asking-rent index blended across rental types rather than a lease-specific quote. The five-digit 10025 label is both Zillow’s ZIP market identifier and a match to a Census ZCTA. A ZCTA is a statistical area and is not identical to a USPS delivery ZIP, so its boundary and evidence universe cannot be presumed interchangeable with mailing geography. For wider context only, New York city context rent is about $4,133.43, New York County context rent is $4,833, and New York-Newark-Jersey City, NY-NJ-PA metro context rent is $3,573. The ZIP snapshot therefore falls between the named city and county context measures while standing above the named metro context measure; none is a ZIP rental comparable.
Affordability evidence is the sharpest tension, but it is a screen rather than a verdict. Applying a 30% required-income screen to the current ZORI produces $184,360 in annual household income, versus the ZCTA median household income of $108,940; annualized asking rent equals 50.77% of that median. This is arithmetic, not advice, a budget prescription, or an applicant qualification rule. In matched ACS 2024 five-year ZCTA data, median gross rent is $2,084 and the ZORI is 2.21 times that level. ACS is a survey of occupied renter homes and includes selected utilities, not a description of today’s advertised units or lease terms. The measures differ in timing and universe rather than contradicting each other.
ACS also provides a burden and stock frame, but neither is an availability verdict. It reports 44.90% of renter households paying at least the 30% income share; that five-year survey statistic does not prove the burden of a particular available unit or a prospective renter. The ZCTA has 47,746 housing units, a 13.43% vacancy rate, and a 68.89% renter share among occupied homes. Large multifamily units total 39,348, while vacant categories include 2,119 for rent and 1,949 seasonal. These are survey categories, not a live apartment count, and cannot establish whether a named apartment is rentable or priced near the current asking index.
The bedroom presentation is deliberately a model, not an observed rent comp. Scaling the ZIP ZORI by the local FY2026 HUD FMR/SAFMR ladder—an administrative bedroom-specific standard rather than asking rent—produces modelled monthly estimates of $3,343 for a studio, $3,878 for one bedroom, $4,609 for two bedrooms, $5,646 for three bedrooms, and $6,505 for four bedrooms. These are modelled estimates, never measured bedroom rents. The two-bedroom estimate matches the overall index because it is the scaling anchor, not because two-bedroom listings were independently measured at that amount. Unit-level asks may differ from the ladder because the model does not establish property condition, utilities, lease terms, concessions, or listing mix.
Rent history tempers reliance on the current reading. Through the supplied Zillow endpoint, the exact same-month change is 6.38% over one year, 4.81% annualized over three years, and 7.82% annualized over five years. The latest direction therefore confirms a positive longer-run path but breaks from the faster five-year pace. Annualized monthly-return variability is 3.03%, maximum drawdown is 15.70%, and coverage is 100% across 138 observations. The transparent national discovery ranks among history-eligible ZIPs are 223 for momentum, 1,676 for stability, and 429 for the balanced score, with lower ranks higher. This backward-looking, high-variability record reduces confidence in treating a single current rent snapshot as a stable point estimate; it is neither a forecast nor an investment recommendation.
Redfin’s direct rolling-three-month ZIP resale observation through June 30, 2026 is strictly for-sale evidence, not rental transactions. Median sold price was $1,294,707, a 7.89% year-over-year increase, across 143 homes sold; median marketing time was 60 days. Inventory stood at 219 homes, down 20.53% from a year earlier, and months of supply were 4.7. The average sale-to-list ratio was 99.45%, while 16.56% of sales closed above list. These measures describe ZIP resale pricing and liquidity only; they are not rental comparables, evidence of a lease rent, or property-level operating economics.
Annualized ZIP ZORI divided by Redfin’s median sold price equals a 4.27% cross-source screening ratio only; it is not a cap rate, net return, expected return, or property yield. The resale price increase and inventory decline directionally echo the current rent increase, yet the reported marketing time, below-list average sale-to-list result, and above-list share challenge a simple tight-market reading. This is the key resale tension: for-sale evidence can provide a parallel price-and-liquidity screen but cannot validate a rental lease, determine an individual apartment’s rent, or erase the high-variability ZORI path.
The evidence retains property-level limits. ACS estimates are five-year survey results with sampling uncertainty, while Zillow, HUD, and Redfin use separate definitions, dates, and unit universes. Aggregate vacancy and burden measures do not establish conditions at a building. Before matching a property to these screens, check current asking rent, bedroom count, included utilities, lease duration, concessions, condition, availability, and directly relevant sale and listing records. Do those address-level facts support the particular comparison while preserving the separate source definitions?