Zip lookup · NY

10028
New York, New York.

New York, New York County, NY · New York-Newark-Jersey City, NY-NJ-PA metro · population 49,077

What it costs per month · 10028 $7,909/mo

to buy the typical home at today's mortgage rate — +$2,096 (+36%) since Jan 2020.

What the home itself did
1 year
Up $41,973 +3%
$1,464,791$1,506,764 since Sep 2025
5 years
Down $212,164 -12%
$1,718,928$1,506,764 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$2,000 $4,000 $6,000 $8,000 2002 2006 2010 2014 2018 2022 2026 10028 $7,909 United States $1,922
$2,000 $4,000 $6,000 $8,000 2002 2010 2018 2026
  • 10028$7,909
  • United States$1,922

At the last five years' pace, prices here aren't rising.

Typical home values in zip 10028 rose 2.9% over the past year — faster than the nation's +1.2%.

Asking rents in zip 10028 rose 6.9% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 10028 runs $6,706/mo more than renting one. The gap peaked at $9,258 in Oct 2022.

That is $10,673 a month against $3,968 rent: a $7,909 mortgage payment, plus $1,152 property tax and $1,613 insurance & upkeep.

Owning vs renting — zip 10028

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$2,500 $5,000 $7,500 $10,000 $12,500 2018 2019 2020 2021 2022 2023 2024 2025 2026 Owning all in $10,673 Renting $3,968 Mortgage only $7,909
$2,500 $5,000 $7,500 $10,000 $12,500 2018 2022 2026
  • Owning all in$10,673
  • Renting$3,968
  • Mortgage only$7,909

Property tax · $1,152/mo 0.92% of value a year — the ACS 2020-2024 median bill over the median home value for New York County, NY

Insurance & upkeep · $1,613/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: New York, NY — measured over the city limits, which is a different area from this zip.

Asking rent $3,968 as of Sep 2026
+6.9%year on year
Typical home value $1,506,764 as of Sep 2026
+2.9%year on year

Asking rent — 10028

Against the New York-Newark-Jersey City, NY-NJ-PA metro and the national benchmark.

$2,000 $3,000 $4,000 2018 2019 2020 2021 2022 2023 2024 2025 2026 10028 $3,968 New York $3,546 United States $1,932
$2,000 $3,000 $4,000 2018 2022 2026
  • 10028$3,968
  • New York$3,546
  • United States$1,932

Typical home value — 10028

Mid-tier homes, smoothed and seasonally adjusted.

$500,000 $1,000,000 $1,500,000 2018 2020 2022 2024 2026 10028 $1,506,764 New York $730,949 United States $366,157
$500,000 $1,000,000 $1,500,000 2018 2022 2026
  • 10028$1,506,764
  • New York$730,949
  • United States$366,157

Within 20 miles

Showing 30 of 385 zips in range — sorting picks from all 385.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
0.3 10075 New York 21,897 $4,004 $1,210,855
0.4 10128 New York 57,976 $4,106 $1,232,117
0.5 10162 New York 1,603 $7,562 —
0.6 10021 New York 39,868 $4,229 $1,503,520
1.0 10065 New York 30,808 $5,067 $1,710,933
1.0 10044 New York 11,520 $4,133 $916,865
1.1 10024 New York 63,115 $4,649 $1,665,701
1.2 10029 New York 77,447 $3,426 $759,869
1.3 10023 New York 69,455 $4,890 $1,444,233
1.4 10022 New York 34,049 $5,053 $1,153,492
1.5 11102 Astoria 28,503 $3,378 $732,175
1.5 11106 Astoria 40,930 $3,318 $681,116
1.7 10025 New York 93,065 $4,705 $1,144,542
1.8 10035 New York 38,862 $3,297 $719,169
1.8 10019 New York 44,942 $4,850 $1,201,196
1.8 10026 New York 37,123 $3,506 $872,825
1.9 10069 New York 6,509 $6,042 $1,954,279
1.9 10017 New York 15,297 $4,489 $771,752
2.1 11109 Long Island City 7,948 $4,490 —
2.2 11101 Long Island City 42,219 $4,347 $1,152,286
2.3 10036 New York 31,036 $4,739 $986,566
2.3 11103 Astoria 35,163 $3,268 $1,041,759
2.4 10027 New York 63,885 $3,807 $815,605
2.5 11105 Astoria 37,936 $3,178 $1,148,705
2.5 10016 New York 52,971 $5,144 $952,985
2.5 10018 New York 8,559 $5,210 $1,357,569
2.7 10037 New York 19,031 $2,854 $595,886
2.8 11104 Sunnyside 26,132 $2,903 $538,201
2.8 10454 Bronx 39,570 $2,937 $820,334
2.9 10001 New York 30,511 $5,592 $1,766,952

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.