10514 — Westchester County, New York Market Snapshot
Housing market data for zip code 10514 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$1,375,258
Days to Sell
14
Homes Sold
25
Inventory
16
Sale-to-List
112.1%
New Listings
53
Price/SqFt
$564
Pending Sales
46
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,375,258 median-priced home in 10514 is $1,306,495. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. The estimated base loan is $96,745 above the limit. A base loan at or below the limit would require at least 12.1% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 10514 is 14 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 10514 is 112.1%, or 12.1% above the last list price. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,375,258 median-priced home in 10514 is $1,306,495. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. The estimated base loan is $96,745 above the limit. A base loan at or below the limit would require at least 12.1% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 10514 are set at the county level.
2026 Loan Limits — Westchester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 10514
To purchase the median home at $1,375,258 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $11,231.
Monthly Payment
$11,231
Income Required
$481,335
Principal & Interest
$8,474/mo
Property Tax
$2,063/mo
Home Insurance
$150/mo
Estimated PMI
$544/mo
Down Payment (5%)
$68,763
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 10514.
Estimated Monthly Payment
$8,661
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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