10509 — Westchester County, New York Market Snapshot
Housing market data for zip code 10509 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$542,500
Days to Sell
29
Homes Sold
30
Inventory
35
Sale-to-List
101.1%
New Listings
65
Price/SqFt
$296
Pending Sales
47
Conforming Loan Available
Most homebuyers in 10509 can comfortably use conventional financing. The median home price of $542,500 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 10509 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 10509 (101.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10509 can comfortably use conventional financing. The median home price of $542,500 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 10509 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 10509
To purchase the median home at $542,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,306.
Monthly Payment
$4,306
Income Required
$184,563
Principal & Interest
$3,343/mo
Down Payment (5%)
$27,125
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 10509.
Estimated Monthly Payment
$3,507
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