10038 — New York County, New York Market Snapshot
Housing market data for zip code 10038 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$1,130,000
Days to Sell
94
Homes Sold
17
Inventory
73
Sale-to-List
98.8%
New Listings
60
Price/SqFt
$1,167
Pending Sales
25
Conforming Loan Available
The median home in 10038 at $1,130,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 94 days on average, 10038 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 10038 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10038 at $1,130,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 10038 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 10038
To purchase the median home at $1,130,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,808.
Monthly Payment
$8,808
Income Required
$377,473
Principal & Interest
$6,963/mo
Down Payment (5%)
$56,500
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 10038.
Estimated Monthly Payment
$7,143
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