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
Jumbo Loan Likely Needed
The median home in 10514 at $1,375,258 exceeds the 2026 conforming loan limit of $1,209,750 by $165,508. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 10514 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10514 are selling 12.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10514 at $1,375,258 exceeds the 2026 conforming loan limit of $1,209,750 by $165,508. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
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 today's rate of 6.75%, the estimated monthly payment is approximately $10,687.
Monthly Payment
$10,687
Income Required
$458,005
Principal & Interest
$8,474/mo
Down Payment (5%)
$68,763
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 10514.
Estimated Monthly Payment
$8,661
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