New York County, New York Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for New York County, New York.
2026 Loan Limits in New York County
| Property Type | Conforming | FHA |
|---|---|---|
| 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 - New York County, New York
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in New York County
Jump into ZIP-level market pages for this county.
- 10001
- 10002
- 10003
- 10004
- 10005
- 10006
- 10007
- 10009
- 10010
- 10011
- 10012
- 10013
- 10014
- 10016
- 10017
- 10018
- 10019
- 10020
- 10021
- 10022
- 10023
- 10024
- 10025
- 10026
- 10027
- 10028
- 10029
- 10030
- 10031
- 10032
- 10033
- 10034
- 10035
- 10036
- 10037
- 10038
- 10039
- 10040
- 10044
- 10065
- 10069
- 10075
- 10103
- 10110
- 10111
- 10112
- 10115
- 10119
- 10128
- 10152
- 10153
- 10154
- 10162
- 10165
- 10167
- 10168
- 10169
- 10170
- 10171
- 10172
- 10173
- 10174
- 10177
- 10199
- 10271
- 10278
- 10279
- 10280
- 10282
- 10463