10309 — Richmond County, New York Market Snapshot
Housing market data for zip code 10309 in Richmond County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$835,000
Days to Sell
103
Homes Sold
62
Inventory
80
Sale-to-List
97.8%
New Listings
92
Price/SqFt
$433
Pending Sales
79
Conforming Loan Available
Most homebuyers in 10309 can comfortably use conventional financing. The median home price of $835,000 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 103 days on average, 10309 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 10309 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 10309 can comfortably use conventional financing. The median home price of $835,000 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 10309 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 10309
To purchase the median home at $835,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,548.
Monthly Payment
$6,548
Income Required
$280,607
Principal & Interest
$5,145/mo
Down Payment (5%)
$41,750
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 10309.
Estimated Monthly Payment
$5,318
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