10006 — New York County, New York Market Snapshot
Housing market data for zip code 10006 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,812,500
Days to Sell
27
Homes Sold
24
Inventory
46
Sale-to-List
99.3%
New Listings
42
Price/SqFt
$1,724
Pending Sales
21
Jumbo Loan Likely Needed
The median home in 10006 at $1,812,500 exceeds the 2026 conforming loan limit of $1,209,750 by $602,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 10006 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 10006 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10006 at $1,812,500 exceeds the 2026 conforming loan limit of $1,209,750 by $602,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 10006 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 10006
To purchase the median home at $1,812,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,037.
Monthly Payment
$14,037
Income Required
$601,577
Principal & Interest
$11,168/mo
Down Payment (5%)
$90,625
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 10006.
Estimated Monthly Payment
$11,367
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 10006.
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