10032 — New York County, New York Market Snapshot
Housing market data for zip code 10032 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$480,000
Days to Sell
105
Homes Sold
14
Inventory
45
Sale-to-List
99.0%
New Listings
32
Price/SqFt
$652
Pending Sales
17
Conforming Loan Available
Most homebuyers in 10032 can comfortably use conventional financing. The median home price of $480,000 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
With homes sitting for 105 days on average, 10032 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
Homes are selling very close to asking price in 10032 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10032 can comfortably use conventional financing. The median home price of $480,000 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 10032 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 10032
To purchase the median home at $480,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,828.
Monthly Payment
$3,828
Income Required
$164,040
Principal & Interest
$2,958/mo
Down Payment (5%)
$24,000
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 10032.
Estimated Monthly Payment
$3,121
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