Richmond County, NY Average Home Price (2026)
The average home price in Richmond County, New York is about $719,000 (the 2026 median across 12 ZIP codes, at ~$487/sq ft) — 116% more expensive than the New York median and 149% more expensive than the typical U.S. home.
How Richmond County compares
Richmond County is relatively expensive for housing nationally: its typical home costs $719,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $554,000 to $838,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Richmond County | $719,000 | $487 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Richmond County home prices by ZIP code
The 12 most valuable ZIP codes in Richmond County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 10307 New York | $838,000 | $499 | +17% |
| 10309 New York | $795,000 | $455 | +11% |
| 10312 New York | $761,000 | $461 | +6% |
| 10306 New York | $752,000 | $513 | +5% |
| 10308 New York | $730,000 | $515 | +2% |
| 10305 New York | $728,000 | $490 | +1% |
| 10301 New York | $710,000 | $409 | -1% |
| 10314 New York | $708,000 | $485 | -2% |
| 10304 New York | $701,000 | $488 | -3% |
| 10310 New York | $696,000 | $491 | -3% |
| 10302 New York | $636,000 | $466 | -12% |
| 10303 New York | $554,000 | $427 | -23% |
Home value appreciation in Richmond County
Home prices in Richmond County have risen about 69% over the last 10 years (≈5.4% a year) and +72.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.1% — still rising. A home worth $719,000 today was worth roughly $424,439 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Richmond County
Run the numbers for Richmond County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Richmond County
To buy the typical $719,000 home in Richmond County with 20% down, you need a household income of roughly $196,000 a year (about $4,560 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $232,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $36,000 | $5,670/mo | $243,000/yr |
| 10% (+PMI) | $71,900 | $5,420/mo | $232,000/yr |
| 20% | $143,800 | $4,560/mo | $196,000/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 Richmond County
At about $487 per square foot, here is roughly how much home different budgets get you in Richmond County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 820 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1030 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1230 sq ft | around the typical home here |
| $750k | 1540 sq ft | around the typical home here |
| $1.00M | 2050 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Richmond County
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Richmond County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.