10307 — Richmond County, New York Market Snapshot
Housing market data for zip code 10307 in Richmond 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
$1,070,000
Days to Sell
111
Homes Sold
13
Inventory
17
Sale-to-List
95.3%
New Listings
20
Price/SqFt
$388
Pending Sales
11
Conforming Loan Available
The median home in 10307 at $1,070,000 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 111 days on average, 10307 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 10307 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 10307 at $1,070,000 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 10307 are set at the county level.
2026 Loan Limits — Richmond 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 10307
To purchase the median home at $1,070,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,348.
Monthly Payment
$8,348
Income Required
$357,771
Principal & Interest
$6,593/mo
Down Payment (5%)
$53,500
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 10307.
Estimated Monthly Payment
$6,772
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