10986 — Rockland County, New York Market Snapshot
Housing market data for zip code 10986 in Rockland County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Rockland County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$999,000
Days to Sell
76
Homes Sold
3
Inventory
8
Conforming Loan Available
The median home in 10986 at $999,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 76 days on average, 10986 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 10986 at $999,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 10986 are set at the county level.
2026 Loan Limits — Rockland 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 10986
To purchase the median home at $999,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,804.
Monthly Payment
$7,804
Income Required
$334,458
Principal & Interest
$6,156/mo
Down Payment (5%)
$49,950
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 10986.
Estimated Monthly Payment
$6,333
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