10005 — New York County, New York Market Snapshot
Housing market data for zip code 10005 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$1,450,000
Days to Sell
71
Homes Sold
23
Inventory
81
Sale-to-List
97.8%
New Listings
67
Price/SqFt
$1,215
Pending Sales
34
Jumbo Loan Likely Needed
The median home in 10005 at $1,450,000 exceeds the 2026 conforming loan limit of $1,209,750 by $240,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 71 days on average, 10005 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 10005 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 10005 at $1,450,000 exceeds the 2026 conforming loan limit of $1,209,750 by $240,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 10005 are set at the county level.
2026 Loan Limits — New York County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 10005
To purchase the median home at $1,450,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,259.
Monthly Payment
$11,259
Income Required
$482,547
Principal & Interest
$8,934/mo
Down Payment (5%)
$72,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 10005.
Estimated Monthly Payment
$9,124
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