10002 — New York County, New York Market Snapshot
Housing market data for zip code 10002 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$1,150,000
Days to Sell
91
Homes Sold
29
Inventory
118
Sale-to-List
98.2%
New Listings
95
Price/SqFt
$1,572
Pending Sales
43
Conforming Loan Available
The median home in 10002 at $1,150,000 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 91 days on average, 10002 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 10002 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10002 at $1,150,000 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 10002 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 10002
To purchase the median home at $1,150,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,961.
Monthly Payment
$8,961
Income Required
$384,040
Principal & Interest
$7,086/mo
Down Payment (5%)
$57,500
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 10002.
Estimated Monthly Payment
$7,267
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