10312 — Richmond County, New York Market Snapshot
Housing market data for zip code 10312 in Richmond County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
99 sales in 2026 (year to date)
Median Sale Price
$765,000
Days to Sell
46
Homes Sold
99
Inventory
136
Sale-to-List
98.6%
New Listings
226
Price/SqFt
$472
Pending Sales
169
Conforming Loan Available
Most homebuyers in 10312 can comfortably use conventional financing. The median home price of $765,000 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
10312's market is balanced with homes taking an average of 46 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 10312 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10312 can comfortably use conventional financing. The median home price of $765,000 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 10312 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 10312
To purchase the median home at $765,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,011.
Monthly Payment
$6,011
Income Required
$257,622
Principal & Interest
$4,714/mo
Down Payment (5%)
$38,250
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 10312.
Estimated Monthly Payment
$4,884
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