10580 — Westchester County, New York Market Snapshot
Housing market data for zip code 10580 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$3,280,200
Days to Sell
23
Homes Sold
19
Inventory
18
Sale-to-List
105.6%
New Listings
62
Price/SqFt
$830
Pending Sales
58
Jumbo Loan Likely Needed
The median home in 10580 at $3,280,200 exceeds the 2026 conforming loan limit of $1,209,750 by $2,070,450. 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 10580 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10580 are selling 5.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10580 at $3,280,200 exceeds the 2026 conforming loan limit of $1,209,750 by $2,070,450. 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 10580 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 10580
To purchase the median home at $3,280,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $25,282.
Monthly Payment
$25,282
Income Required
$1,083,508
Principal & Interest
$20,212/mo
Down Payment (5%)
$164,010
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 10580.
Estimated Monthly Payment
$20,450
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 10580.
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