10007 — New York County, New York Market Snapshot
Housing market data for zip code 10007 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$3,400,000
Days to Sell
91
Homes Sold
14
Inventory
45
Sale-to-List
99.5%
New Listings
39
Price/SqFt
$1,797
Pending Sales
19
Jumbo Loan Likely Needed
The median home in 10007 at $3,400,000 exceeds the 2026 conforming loan limit of $1,209,750 by $2,190,250. 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
With homes sitting for 91 days on average, 10007 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 10007 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10007 at $3,400,000 exceeds the 2026 conforming loan limit of $1,209,750 by $2,190,250. 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 10007 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 10007
To purchase the median home at $3,400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $26,200.
Monthly Payment
$26,200
Income Required
$1,122,845
Principal & Interest
$20,950/mo
Down Payment (5%)
$170,000
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 10007.
Estimated Monthly Payment
$21,192
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 10007.
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