Buyers are paying up for homes with more space and a favorable commute, providing opportunities for lenders in select areas. These ZIP codes commonly attract buyers with better credit scores willing to pay above the asking price. The average down payment across the list was 17.1%, well above 13.1% nationally, and the median credit score was 766, compared with 747 countrywide. In Montclair and Fairport, New York, which ranked fourth on the list, homes sold 16.7% and 14.4% more than the asking price, respectively. Across all 10 ZIP codes, the median home for sale measured 2,000 square feet, compared with an average of 1,600 in their surrounding metro and a national median of 1,800.