ZIP Code 10039 — New York, NY Home Prices (2026)

The typical home in ZIP 10039 (New York, New York) is worth about $654,000 at roughly $683 per square foot — 16% more affordable than the New York median and 122% more expensive than the typical U.S. home.

$654,000

Typical home value

$683

Price per sq ft

#131 of 173

New York ZIPs by value

-16%

vs New York median

How 10039 compares

ZIP 10039 is one of the more affordable ZIP codes in New York: its typical home value of $654,000 ranks #131 of the 173 New York ZIP codes we track (the citywide range runs from $255,000 in 10462 to $3,742,000 in 10013). Per square foot it costs about $683, against $635 for New York as a whole, $247 for New York, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 10039	$654,000	$683
New York, NY	$781,000	$635
New York	$338,000	$247
United States	$294,000	$195

Home value by size in 10039

Using this ZIP’s rate of about $683 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$683,000
1,500 sq ft	$1,024,500
2,000 sq ft	$1,366,000
2,500 sq ft	$1,707,500
3,000 sq ft	$2,049,000

Salary needed to buy a home in ZIP 10039

To buy the typical $654,000 home in ZIP 10039 with 20% down, you need a household income of roughly $178,000 a year (about $4,150 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $211,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$32,700	$5,160/mo	$221,000/yr
10% (+PMI)	$65,400	$4,930/mo	$211,000/yr
20%	$130,800	$4,150/mo	$178,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 10039

At about $683 per square foot, here is roughly how much home different budgets get you in ZIP 10039:

Budget	Approx. size	What that looks like locally
$300k	440 sq ft	below the local median — condos, smaller or older homes
$400k	590 sq ft	below the local median — condos, smaller or older homes
$500k	730 sq ft	below the local median — condos, smaller or older homes
$600k	880 sq ft	around the typical home here
$750k	1100 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 10039 home.

Estimate a specific home in 10039

The estimator below is pre-set to ZIP 10039 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All New York ZIP codes by home value

Where 10039 sits among New York’s 173 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	10013	$3,742,000	$2165
2	10007	$3,182,000	$2136
3	10012	$2,914,000	$1963
4	10038	$2,261,000	$1190
5	10282	$2,208,000	$1680
6	10069	$1,943,000	$1661
7	10014	$1,870,000	$2475
8	11231	$1,788,000	$1285
9	10001	$1,732,000	$1823
10	10065	$1,721,000	$1562
11	10011	$1,662,000	$1869
12	10024	$1,626,000	$1744
13	11217	$1,611,000	$1356
14	11249	$1,554,000	$1779
15	11222	$1,534,000	$1460
16	11215	$1,525,000	$1358
17	10021	$1,511,000	$1493
18	10028	$1,488,000	$1476
19	10023	$1,458,000	$1834
20	10003	$1,439,000	$1734
21	11211	$1,426,000	$1420
22	11201	$1,394,000	$1505
23	10018	$1,328,000	$2033
24	10010	$1,325,000	$1663
25	11219	$1,286,000	$880
26	11238	$1,275,000	$1289
27	11204	$1,273,000	$802
28	10004	$1,252,000	$1268
29	10128	$1,242,000	$1363
30	11216	$1,234,000	$1066
31	10019	$1,230,000	$1659
32	10075	$1,224,000	$1346
33	11228	$1,212,000	$858
34	10022	$1,180,000	$1408
35	10025	$1,162,000	$1430
36	11225	$1,162,000	$925
37	11101	$1,153,000	$1575
38	11206	$1,153,000	$1031
39	11105	$1,152,000	$893
40	11213	$1,148,000	$583
41	11366	$1,143,000	$762
42	11363	$1,129,000	$694
43	10005	$1,128,000	$1223
44	11237	$1,119,000	$1001
45	11223	$1,103,000	$456
46	11221	$1,098,000	$962
47	11358	$1,086,000	$755
48	10009	$1,083,000	$1490
49	10006	$1,077,000	$1408
50	11205	$1,077,000	$1133
51	11103	$1,050,000	$975
52	11233	$1,032,000	$815
53	11365	$1,016,000	$773
54	11357	$1,010,000	$696
55	11361	$1,003,000	$575
56	10002	$1,000,000	$1694
57	10036	$997,000	$1400
58	11220	$976,000	$847
59	11218	$972,000	$827
60	10016	$946,000	$1375
61	10044	$946,000	$1068
62	11210	$945,000	$537
63	11230	$928,000	$515
64	11379	$906,000	$675
65	10026	$903,000	$973
66	11432	$898,000	$557
67	11694	$896,000	$558
68	11385	$880,000	$653
69	11378	$878,000	$702
70	11369	$847,000	$429
71	11209	$844,000	$518
72	10307	$843,000	$493
73	11423	$843,000	$377
74	11232	$842,000	$1114
75	10027	$835,000	$949
76	11356	$833,000	$648
77	11370	$828,000	$656
78	10280	$822,000	$1138
79	10454	$813,000	$296
80	10309	$803,000	$461
81	11226	$801,000	$752
82	11426	$801,000	$613
83	11234	$793,000	$552
84	11427	$793,000	$469
85	11428	$788,000	$541
86	10017	$782,000	$1280
87	11229	$781,000	$463
88	11419	$775,000	$634
89	11214	$774,000	$708
90	10029	$769,000	$954
91	10312	$769,000	$447
92	11416	$764,000	$655
93	11417	$763,000	$633
94	11420	$762,000	$651
95	11418	$761,000	$596
96	10306	$760,000	$535
97	11429	$755,000	$542
98	11208	$748,000	$506
99	11412	$748,000	$534
100	11422	$747,000	$589
101	11421	$744,000	$473
102	10308	$740,000	$508
103	11203	$738,000	$550
104	11413	$738,000	$566
105	10305	$734,000	$511
106	10461	$734,000	$473
107	10030	$727,000	$703
108	11102	$727,000	$1128
109	11433	$724,000	$549
110	11434	$722,000	$565
111	10301	$721,000	$396
112	11411	$721,000	$567
113	10314	$716,000	$494
114	10304	$711,000	$496
115	10035	$709,000	$750
116	10310	$706,000	$487
117	10469	$706,000	$439
118	11236	$705,000	$529
119	10472	$703,000	$335
120	11436	$700,000	$614
121	11362	$699,000	$541
122	10465	$694,000	$451
123	11354	$684,000	$1011
124	11106	$683,000	$1026
125	11691	$683,000	$501
126	10466	$680,000	$452
127	11239	$680,000	$268
128	10464	$679,000	$509
129	11212	$679,000	$462
130	10470	$669,000	$332
131	10039 (this page)	$654,000	$683
132	10302	$646,000	$453
133	11207	$642,000	$697
134	11364	$637,000	$467
135	11414	$636,000	$452
136	11360	$627,000	$546
137	11692	$624,000	$520
138	11004	$623,000	$568
139	11355	$618,000	$840
140	10033	$613,000	$638
141	11235	$610,000	$495
142	11435	$590,000	$379
143	10037	$585,000	$635
144	10453	$572,000	$153
145	10032	$567,000	$570
146	11377	$565,000	$779
147	11224	$563,000	$489
148	10303	$561,000	$426
149	10473	$558,000	$379
150	10031	$555,000	$671
151	11368	$554,000	$480
152	11104	$533,000	$683
153	11373	$527,000	$573
154	10459	$525,000	$318
155	11375	$522,000	$492
156	10460	$521,000	$189
157	11367	$513,000	$433
158	10457	$509,000	$376
159	10040	$484,000	$635
160	10455	$482,000	$306
161	10456	$462,000	$285
162	10034	$449,000	$548
163	10471	$438,000	$344
164	11374	$436,000	$474
165	10458	$432,000	$235
166	11372	$431,000	$474
167	10467	$429,000	$206
168	11415	$381,000	$407
169	10463	$368,000	$359
170	10451	$339,000	$363
171	10452	$298,000	$216
172	10468	$261,000	$227
173	10462	$255,000	$377

ZIP 10039 home prices: frequently asked

What is the average home price in ZIP code 10039? +

The typical home in ZIP 10039 (New York, NY) is worth about $654,000 as of 2026. That is 16% more affordable than the New York median of $781,000 and 122% more expensive than the U.S. median of $294,000.

What is the price per square foot in 10039? +

About $683 per square foot in 10039, versus $635 across New York and $247 across New York. At that rate a 1,500 sq ft home runs roughly $1,024,500 and a 2,500 sq ft home about $1,707,500.

What salary do you need to buy a house in ZIP 10039? +

For the typical $654,000 home in ZIP 10039, a household income of about $178,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $211,000; with 5% down about $221,000.

Is 10039 an expensive ZIP code? +

Within New York, 10039 ranks #131 of 173 ZIP codes by typical home value, which makes it one of the more affordable ZIP codes in New York. Nationally it is relatively expensive.

See the full New York home values page, all New York cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.