10306 — Richmond County, New York Market Snapshot
Housing market data for zip code 10306 in Richmond County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$731,000
Days to Sell
39
Homes Sold
79
Inventory
82
Sale-to-List
100.2%
New Listings
141
Price/SqFt
$510
Pending Sales
99
Conforming Loan Available
Most homebuyers in 10306 can comfortably use conventional financing. The median home price of $731,000 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
10306's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 10306 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10306 can comfortably use conventional financing. The median home price of $731,000 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 10306 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 10306
To purchase the median home at $731,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,751.
Monthly Payment
$5,751
Income Required
$246,458
Principal & Interest
$4,504/mo
Down Payment (5%)
$36,550
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 10306.
Estimated Monthly Payment
$4,674
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