10009 — New York County, New York Market Snapshot
Housing market data for zip code 10009 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$730,000
Days to Sell
147
Homes Sold
17
Inventory
54
Sale-to-List
100.0%
New Listings
43
Price/SqFt
$1,259
Pending Sales
16
Conforming Loan Available
Most homebuyers in 10009 can comfortably use conventional financing. The median home price of $730,000 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
With homes sitting for 147 days on average, 10009 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 10009 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10009 can comfortably use conventional financing. The median home price of $730,000 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 10009 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 10009
To purchase the median home at $730,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,743.
Monthly Payment
$5,743
Income Required
$246,130
Principal & Interest
$4,498/mo
Down Payment (5%)
$36,500
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 10009.
Estimated Monthly Payment
$4,668
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 10009. Tell us what you're looking for.