Zip lookup · NY

10040
New York, New York.

New York, New York County, NY · New York-Newark-Jersey City, NY-NJ-PA metro · population 40,096

What it costs per month · 10040 $2,658/mo

to buy the typical home at today's mortgage rate — +$414 (+18%) since Jan 2020.

What the home itself did
1 year
Up $3,259 +1%
$503,143$506,402 since Sep 2025
5 years
Down $136,746 -21%
$643,148$506,402 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.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 10040 $2,658 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • 10040$2,658
  • United States$1,922

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

Typical home values in zip 10040 rose 0.6% over the past year — slower than the nation's +1.2%.

Asking rents in zip 10040 rose 6.5% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 10040 runs $633/mo more than renting one. The gap peaked at $2,133 in Oct 2022.

That is $3,587 a month against $2,955 rent: a $2,658 mortgage payment, plus $387 property tax and $542 insurance & upkeep.

Owning vs renting — zip 10040

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.

$2,000 $3,000 $4,000 2018 2020 2022 2024 2026 Owning all in $3,587 Renting $2,955 Mortgage only $2,658
$2,000 $3,000 $4,000 2018 2022 2026
  • Owning all in$3,587
  • Renting$2,955
  • Mortgage only$2,658

Property tax · $387/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 · $542/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 $2,955 as of Sep 2026
+6.5%year on year
Typical home value $506,402 as of Sep 2026
+0.6%year on year

Asking rent — 10040

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

$1,500 $2,000 $2,500 $3,000 $3,500 2018 2020 2022 2024 2026 10040 $2,955 New York $3,546 United States $1,932
$1,500 $2,000 $2,500 $3,000 $3,500 2018 2022 2026
  • 10040$2,955
  • New York$3,546
  • United States$1,932

Typical home value — 10040

Mid-tier homes, smoothed and seasonally adjusted.

$250,000 $500,000 $750,000 2018 2020 2022 2024 2026 10040 $506,402 New York $730,949 United States $366,157
$250,000 $500,000 $750,000 2018 2022 2026
  • 10040$506,402
  • 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
0.7 10034 New York 37,758 $2,610 $465,651
0.8 10033 New York 54,838 $3,228 $620,864
0.9 10453 Bronx 76,282 $2,354 $590,228
1.4 10452 Bronx 75,682 $2,455 $308,564
1.5 10032 New York 55,610 $3,011 $558,733
1.7 10468 Bronx 75,557 $2,171 $270,238
1.9 10457 Bronx 79,543 $2,390 $540,839
1.9 07632 Englewood Cliffs 5,362 — $1,804,487
2.2 10456 Bronx 87,533 $2,702 $472,538
2.2 10039 New York 32,492 $3,304 $635,513
2.2 07024 Fort Lee 40,024 $3,792 $591,184
2.3 10458 Bronx 74,898 $2,969 $457,948
2.5 10031 New York 61,058 $3,262 $553,463
2.6 10451 Bronx 50,942 $2,951 $329,729
2.6 10463 Bronx 69,470 $3,292 $367,757
2.8 10030 New York 29,297 $3,072 $703,682
2.9 10460 Bronx 59,396 $2,775 $531,483
2.9 10459 Bronx 48,270 $3,045 $530,165
3.1 10471 Bronx 23,798 $3,216 $424,666
3.1 10037 New York 19,031 $2,854 $595,886
3.2 07605 Leonia 9,379 — $860,469
3.2 10455 Bronx 44,801 $2,852 $488,540
3.2 10467 Bronx 96,421 $2,362 $431,376
3.3 07631 Englewood 29,638 $2,999 $622,716
3.3 07020 Edgewater 14,759 $3,633 $702,993
3.4 10027 New York 63,885 $3,807 $815,605
3.6 07650 Palisades Park 20,290 $3,320 $991,041
3.7 10454 Bronx 39,570 $2,937 $820,334
3.7 10472 Bronx 64,011 $2,824 $703,303
3.8 10462 Bronx 76,320 $2,563 $261,095

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