10026 — New York County, New York Market Snapshot
Housing market data for zip code 10026 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$900,000
Days to Sell
56
Homes Sold
15
Inventory
57
Sale-to-List
99.9%
New Listings
57
Price/SqFt
$872
Pending Sales
28
Conforming Loan Available
Most homebuyers in 10026 can comfortably use conventional financing. The median home price of $900,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
10026'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 10026 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10026 can comfortably use conventional financing. The median home price of $900,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 10026 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 10026
To purchase the median home at $900,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,046.
Monthly Payment
$7,046
Income Required
$301,950
Principal & Interest
$5,546/mo
Down Payment (5%)
$45,000
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 10026.
Estimated Monthly Payment
$5,720
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