CALCMONEY // MORTGAGE // NY // GREAT NECK // 11030
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 11030 in Great Neck, NY. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,750,000
$1,400,000
$12,140
$520,294/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,750,000 | $1,575,000 | $10,426 | $13,299 | 6.95% |
| 20% Down | $1,750,000 | $1,400,000 | $9,267 | $12,140 | 6.95% |
| 25% Down | $1,750,000 | $1,312,500 | $8,688 | $11,561 | 6.95% |
Total monthly includes principal & interest, property tax (1.57% annual), and estimated homeowners insurance. PMI not included.
Nassau County Gold Coast (ZIP 11030) sits within Great Neck, New York with a median home price of $1,750,000 — significantly above the Great Neck city-wide median of $1,400,000. At 80% LTV, the typical loan amount of $1,400,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 11030 run 1.57% annually, adding $2,290 per month on the median home. Median household income in this neighborhood is approximately $295,000, placing the price-to-income ratio at 5.9x. New York levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.