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78 E 127th St APT 8, New York, NY, 10035

3beds
1baths
--sqft
$265,000
--price/sqft
$1,909/moest. monthly cost
$76,360/yrincome needed

About This Home

Shown by appointment. Do not miss this rare opportunity to own a true 3 bedroom for under $300k! Must be an ALL CASH sale. Sold AS-IS. W/D allowed. Only 1 flight walk up. Low maintenance fee. Income Restrictions apply. Located on a quiet tree-lined block between Park and 5th Avenues at the merging of Central and East Harlem. Apt. 8 has been fully refurbished to eliminate the heavy lifting of a gut-renovation. Minimal work remains if one so desires. With exposures both to the Northeast and Southwest and windows in every room the apartment receives a lovely cross breeze and steady sunlight throughout the day. The intelligent floor plan maximizes space with an open kitchen to living room design, 5 ceiling height closets (8'9"), 3 true bedrooms, a windowed bathroom, restored original oak hardwood floors and a ceiling fan in the living room. Pet-friendly 78 East 127th St HDFC Coop lends itself to hassle-free travel with the 4,5, 6, 2 and 3 trains, the Harlem 125th St Metro North Station, as well as the crosstown M60SBS bus that runs to LaGuardia Airport merely 2 blocks away. Harlem's dynamic dining and nightlife scene both new and old as well as a variety of parks, bike paths, tree-lined streets, street fairs, concerts, artistic events, museums, art galleries, cultural centers, boutique shops, sport facilities and more surround the building, promising to keep you entertained all year round. 120% AMI income restrictions apply.

Getting Around

97
WalkingWalker's Paradise
100
TransitRider's Paradise
81
BikeVery Bikeable

Construction

Condition

  • Year built: 1909

Type & Style

  • Home type: Cooperative
  • Property subType: Coop

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood

Property

Details

  • Special condition: Restricted Sale

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

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
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 $1,339$16,068
Home Insurance *$168$2,016
Property Taxes $156$1,872
Electricity $246$2,954
Total$1,909$22,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,451/yr
40% on housing$57,270/yr
45% on housing$50,906/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 10035$617
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10035$999
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)

Price History

DateEventPrice
2026-06-26Listed for sale$265,000

For Sale by Agent

AgentCameron Stewart
BrokerageBrown Harris Stevens

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