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NYC Address Intelligence

Manhattan • NYC ZIP Code

Apartments in 10038 — Financial District / Civic Center

10038 covers parts of Financial District and Civic Center in Manhattan. Manhattan ZIP codes are compact — a few blocks can span multiple neighborhoods and market tiers.

Neighborhoods in 10038

Financial District
Manhattan
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Civic Center
Manhattan
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Apartments in 10038 by type

Questions about 10038

What neighborhoods does 10038 actually cover?

ZIP code 10038 maps to Financial District and Civic Center in Manhattan. NYC ZIP boundaries don't perfectly match neighborhood lines — you might be in one neighborhood for postal purposes but identify with the one next door for everything else. The character of 10038 is defined primarily by Financial District.

Is 10038 expensive?

10038 is in Manhattan, where the median 1BR runs $3,500-$5,000/month depending on the specific block and building era. Financial District / Civic Center is on the higher end of that range. Always verify asking price against StreetEasy medians for the specific block.

How is the commute from 10038?

You are already in Manhattan. Commute times within the borough are typically 15-30 minutes by subway. The specific lines serving Financial District / Civic Center determine which directions are easy and which require a transfer.

What should I know before renting in 10038?

Three things: (1) Check the building's HPD violation history — a bad landlord affects your life more than the neighborhood does. (2) Visit the specific block at night and on a weekend before signing. (3) Manhattan rent includes heat and hot water by law in most buildings, but verify what other utilities are included.

Are apartments in 10038 rent-stabilized?

Many NYC apartments in pre-1974 buildings with 6+ units are rent stabilized. Manhattan has a high concentration of stabilized units, especially above 96th Street and in older buildings throughout the borough. The only way to confirm is to request a DHCR rent history for the specific apartment — free at hcr.ny.gov.

What kind of buildings are in 10038?

Financial District / Civic Center has a mix that depends on the era of development. Building types span the full range from walk-ups to high-rises.

Check a specific address in 10038

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