10576 — Westchester County, New York Market Snapshot
Housing market data for zip code 10576 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,850,000
Days to Sell
33
Homes Sold
11
Inventory
25
Sale-to-List
99.1%
New Listings
46
Price/SqFt
$455
Pending Sales
25
Jumbo Loan Likely Needed
The median home in 10576 at $1,850,000 exceeds the 2026 conforming loan limit of $1,209,750 by $640,250. 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
10576's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 10576 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10576 at $1,850,000 exceeds the 2026 conforming loan limit of $1,209,750 by $640,250. 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 10576 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 10576
To purchase the median home at $1,850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,324.
Monthly Payment
$14,324
Income Required
$613,890
Principal & Interest
$11,399/mo
Down Payment (5%)
$92,500
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 10576.
Estimated Monthly Payment
$11,599
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 10576.
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