10970 — Rockland County, New York Market Snapshot
Housing market data for zip code 10970 in Rockland County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$375,000
Days to Sell
30
Homes Sold
27
Inventory
22
Sale-to-List
100.1%
New Listings
32
Price/SqFt
$313
Pending Sales
26
Conforming Loan Available
Most homebuyers in 10970 can comfortably use conventional financing. The median home price of $375,000 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
10970's market is balanced with homes taking an average of 30 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 10970 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10970 can comfortably use conventional financing. The median home price of $375,000 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 10970 are set at the county level.
2026 Loan Limits — Rockland 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 10970
To purchase the median home at $375,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,023.
Monthly Payment
$3,023
Income Required
$129,563
Principal & Interest
$2,311/mo
Down Payment (5%)
$18,750
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 10970.
Estimated Monthly Payment
$2,471
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