10027 — New York County, New York Market Snapshot
Housing market data for zip code 10027 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$1,049,000
Days to Sell
147
Homes Sold
31
Inventory
92
Sale-to-List
99.6%
New Listings
69
Price/SqFt
$1,080
Pending Sales
53
Conforming Loan Available
The median home in 10027 at $1,049,000 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 147 days on average, 10027 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 10027 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10027 at $1,049,000 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 10027 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 10027
To purchase the median home at $1,049,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,187.
Monthly Payment
$8,187
Income Required
$350,876
Principal & Interest
$6,464/mo
Down Payment (5%)
$52,450
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 10027.
Estimated Monthly Payment
$6,642
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