10520 — Westchester County, New York Market Snapshot
Housing market data for zip code 10520 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$887,500
Days to Sell
30
Homes Sold
20
Inventory
21
Sale-to-List
104.3%
New Listings
42
Price/SqFt
$532
Pending Sales
36
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $887,500 median-priced home in 10520 is $843,125. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. 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 10520 is 30 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 10520 is 104.3%, or 4.3% 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 $887,500 median-priced home in 10520 is $843,125. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 10520 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 10520
To purchase the median home at $887,500 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $7,301.
Monthly Payment
$7,301
Income Required
$312,902
Principal & Interest
$5,468/mo
Property Tax
$1,331/mo
Home Insurance
$150/mo
Estimated PMI
$351/mo
Down Payment (5%)
$44,375
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 10520.
Estimated Monthly Payment
$5,643
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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