10304 — Richmond County, New York Market Snapshot
Housing market data for zip code 10304 in Richmond County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$769,000
Days to Sell
67
Homes Sold
57
Inventory
83
Sale-to-List
95.6%
New Listings
93
Price/SqFt
$454
Pending Sales
55
Conforming Loan Available
Most homebuyers in 10304 can comfortably use conventional financing. The median home price of $769,000 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 67 days on average, 10304 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
The average home in 10304 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 10304 can comfortably use conventional financing. The median home price of $769,000 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 10304 are set at the county level.
2026 Loan Limits — Richmond 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 10304
To purchase the median home at $769,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,042.
Monthly Payment
$6,042
Income Required
$258,936
Principal & Interest
$4,738/mo
Down Payment (5%)
$38,450
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 10304.
Estimated Monthly Payment
$4,909
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