10069 — New York County, New York Market Snapshot
Housing market data for zip code 10069 in New York County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$1,948,500
Days to Sell
145
Homes Sold
13
Inventory
62
Sale-to-List
98.7%
New Listings
44
Price/SqFt
$1,443
Pending Sales
8
Jumbo Loan Likely Needed
The median home in 10069 at $1,948,500 exceeds the 2026 conforming loan limit of $1,209,750 by $738,750. 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
With homes sitting for 145 days on average, 10069 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 10069 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10069 at $1,948,500 exceeds the 2026 conforming loan limit of $1,209,750 by $738,750. 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 10069 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 10069
To purchase the median home at $1,948,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,079.
Monthly Payment
$15,079
Income Required
$646,234
Principal & Interest
$12,006/mo
Down Payment (5%)
$97,425
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 10069.
Estimated Monthly Payment
$12,209
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 10069.
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