10536 — Westchester County, New York Market Snapshot
Housing market data for zip code 10536 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$1,057,500
Days to Sell
27
Homes Sold
18
Inventory
24
Sale-to-List
107.1%
New Listings
43
Price/SqFt
$415
Pending Sales
25
Conforming Loan Available
The median home in 10536 at $1,057,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 10536 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10536 are selling 7.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10536 at $1,057,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 10536 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 10536
To purchase the median home at $1,057,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,252.
Monthly Payment
$8,252
Income Required
$353,667
Principal & Interest
$6,516/mo
Down Payment (5%)
$52,875
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 10536.
Estimated Monthly Payment
$6,695
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