Median home value in zip code 10986 (Tomkins Cove, NY) is $669K, up 2.1% year over year. Part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: New York-Newark-Jersey City, NY-NJ-PA metro →

Home Value$668,799

YoY Change

+2.1%

AFFORDABILITY

Enter your income for 10986 (Tomkins Cove).

Income (annual)

Down Payment

$133,760 on $668,799

Out of reach — 64.4% of income

Need $172,371/yr to afford.

PITI$4,022

P/I64.4%

Afford$291K

Gap-$378K

P&I $3,382Tax $490Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

10986 is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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