Zip lookup · NY

10128
New York, New York.

New York, New York County, NY · New York-Newark-Jersey City, NY-NJ-PA metro · population 57,976

What it costs per month · 10128 $6,467/mo

to buy the typical home at today's mortgage rate — +$1,715 (+36%) since Jan 2020.

What the home itself did
1 year
Up $48,400 +4%
$1,183,717$1,232,117 since Sep 2025
5 years
Down $97,714 -7%
$1,329,832$1,232,117 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.

$2,500 $5,000 $7,500 2002 2006 2010 2014 2018 2022 2026 10128 $6,467 United States $1,922
$2,500 $5,000 $7,500 2002 2010 2018 2026
  • 10128$6,467
  • United States$1,922

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

Typical home values in zip 10128 rose 4.1% over the past year — faster than the nation's +1.2%.

Asking rents in zip 10128 rose 6.6% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 10128 runs $4,622/mo more than renting one. The gap peaked at $6,392 in Oct 2022.

That is $8,728 a month against $4,106 rent: a $6,467 mortgage payment, plus $942 property tax and $1,319 insurance & upkeep.

Owning vs renting — zip 10128

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 2018 2019 2020 2021 2022 2023 2024 2025 2026 Owning all in $8,728 Renting $4,106 Mortgage only $6,467
$2,500 $5,000 $7,500 $10,000 2018 2022 2026
  • Owning all in$8,728
  • Renting$4,106
  • Mortgage only$6,467

Property tax · $942/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 · $1,319/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 $4,106 as of Sep 2026
+6.6%year on year
Typical home value $1,232,117 as of Sep 2026
+4.1%year on year

Asking rent — 10128

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 10128 $4,106 New York $3,546 United States $1,932
$2,000 $3,000 $4,000 2018 2022 2026
  • 10128$4,106
  • New York$3,546
  • United States$1,932

Typical home value — 10128

Mid-tier homes, smoothed and seasonally adjusted.

$500,000 $1,000,000 $1,500,000 2018 2020 2022 2024 2026 10128 $1,232,117 New York $730,949 United States $366,157
$500,000 $1,000,000 $1,500,000 2018 2022 2026
  • 10128$1,232,117
  • New York$730,949
  • United States$366,157

Within 20 miles

Showing 30 of 388 zips in range — sorting picks from all 388.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
0.4 10028 New York 49,077 $3,968 $1,506,764
0.6 10075 New York 21,897 $4,004 $1,210,855
0.8 10029 New York 77,447 $3,426 $759,869
0.8 10162 New York 1,603 $7,562 —
0.9 10021 New York 39,868 $4,229 $1,503,520
1.1 10024 New York 63,115 $4,649 $1,665,701
1.3 10044 New York 11,520 $4,133 $916,865
1.3 10065 New York 30,808 $5,067 $1,710,933
1.4 11102 Astoria 28,503 $3,378 $732,175
1.4 10035 New York 38,862 $3,297 $719,169
1.5 10025 New York 93,065 $4,705 $1,144,542
1.5 10026 New York 37,123 $3,506 $872,825
1.5 10023 New York 69,455 $4,890 $1,444,233
1.7 11106 Astoria 40,930 $3,318 $681,116
1.8 10022 New York 34,049 $5,053 $1,153,492
2.0 10069 New York 6,509 $6,042 $1,954,279
2.1 10027 New York 63,885 $3,807 $815,605
2.1 10019 New York 44,942 $4,850 $1,201,196
2.3 10037 New York 19,031 $2,854 $595,886
2.3 11105 Astoria 37,936 $3,178 $1,148,705
2.3 11103 Astoria 35,163 $3,268 $1,041,759
2.3 10017 New York 15,297 $4,489 $771,752
2.4 10454 Bronx 39,570 $2,937 $820,334
2.5 11109 Long Island City 7,948 $4,490 —
2.5 11101 Long Island City 42,219 $4,347 $1,152,286
2.6 10030 New York 29,297 $3,072 $703,682
2.6 10036 New York 31,036 $4,739 $986,566
2.9 10018 New York 8,559 $5,210 $1,357,569
2.9 10016 New York 52,971 $5,144 $952,985
3.0 11104 Sunnyside 26,132 $2,903 $538,201

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