10925 — Orange County, New York Market Snapshot
Housing market data for zip code 10925 in Orange County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$555,000
Days to Sell
100
Homes Sold
13
Inventory
29
Sale-to-List
97.6%
New Listings
30
Price/SqFt
$446
Pending Sales
20
Conforming Loan Available
Most homebuyers in 10925 can comfortably use conventional financing. The median home price of $555,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 100 days on average, 10925 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 10925 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 10925 can comfortably use conventional financing. The median home price of $555,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 10925 are set at the county level.
2026 Loan Limits — Orange County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 10925
To purchase the median home at $555,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,402.
Monthly Payment
$4,402
Income Required
$188,667
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,750
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 10925.
Estimated Monthly Payment
$3,585
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 10925. Tell us what you're looking for.