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103 Clinton St APT 4, New York, NY, 10002

0beds
1baths
376sqft
$395,000
$1,051price/sqft
$2,594/moest. monthly cost
$103,760/yrincome needed

About This Home

Cooperative studio apartment 4D is located in a 16-unit residential income restricted renovated apartment complex on Manhattan Lower East Side. The building is located in the Delancey/Essex Streets shopping area, and the new Essex Crossing development. Purchasers are required to participate in the administration of the building. This apartment is sold for primary residency only. Qualification is for applicants making up to 165% of the city's median income. Services in the area, is the Regal movie theatre, a bowling alley, and many medical services, the Essex Street market, and in close proximity to China town, all in walking distance. Transportation is available at Delancey and Essex Street by the number, 9, 14A cross town buses to the financial district and mid-town, also uptown and Brooklyn trains at Essex and Delancey Streets. Pictures on request

Getting Around

100
WalkingWalker's Paradise
100
TransitRider's Paradise
98
BikeBiker's Paradise

Schools

6/10
Ps 140 Nathan StrausGrades PK-80.1 mi
3/10
Ps 142 Amalia CastroGrades PK-50.1 mi

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: Cooperative
  • Property subType: Coop

Interior

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total structure area: 376
  • Total interior livable area: 376 sqft

Property

Details

  • Special condition: Restricted Sale

Features

  • Has view: Yes
  • View description: City

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Heat Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in New York County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,997$23,964
Home Insurance *$118$1,416
Property Taxes $233$2,796
Electricity $246$2,954
Total$2,594$31,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,937/yr
40% on housing$77,820/yr
45% on housing$69,173/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 2.0%
2.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,051This listing

vs Other Active Listings

Avg $/sqft

ZIP 10002$1,120
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10002$675
New York County$1,203

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-04Price change$375,000
2026-01-15Listed for sale$395,000

For Sale by Agent

AgentHerman F Hewitt
BrokerageH F Hewitt Realty

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