10992 — Orange County, New York Market Snapshot
Housing market data for zip code 10992 in Orange County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$357,000
Days to Sell
44
Homes Sold
11
Inventory
35
Sale-to-List
99.2%
New Listings
45
Price/SqFt
$263
Pending Sales
17
Conforming Loan Available
Most homebuyers in 10992 can comfortably use conventional financing. The median home price of $357,000 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
10992's market is balanced with homes taking an average of 44 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 10992 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10992 can comfortably use conventional financing. The median home price of $357,000 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 10992 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 10992
To purchase the median home at $357,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,885.
Monthly Payment
$2,885
Income Required
$123,652
Principal & Interest
$2,200/mo
Down Payment (5%)
$17,850
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 10992.
Estimated Monthly Payment
$2,359
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