10018 — New York County, New York Market Snapshot
Housing market data for zip code 10018 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$1,305,000
Days to Sell
56
Homes Sold
26
Inventory
66
Sale-to-List
99.6%
New Listings
66
Price/SqFt
$1,949
Pending Sales
19
Jumbo Loan Likely Needed
The median home in 10018 at $1,305,000 exceeds the 2026 conforming loan limit of $1,209,750 by $95,250. 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
10018's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 10018 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10018 at $1,305,000 exceeds the 2026 conforming loan limit of $1,209,750 by $95,250. 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 10018 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 10018
To purchase the median home at $1,305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,148.
Monthly Payment
$10,148
Income Required
$434,935
Principal & Interest
$8,041/mo
Down Payment (5%)
$65,250
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 10018.
Estimated Monthly Payment
$8,226
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 10018. Tell us what you're looking for.