10590 — Westchester County, New York Market Snapshot
Housing market data for zip code 10590 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$1,115,000
Days to Sell
24
Homes Sold
10
Inventory
15
Sale-to-List
100.2%
New Listings
31
Price/SqFt
$365
Pending Sales
21
Conforming Loan Available
The median home in 10590 at $1,115,000 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 10590 are moving quickly at 24 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 10590 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10590 at $1,115,000 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 10590 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 10590
To purchase the median home at $1,115,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,693.
Monthly Payment
$8,693
Income Required
$372,548
Principal & Interest
$6,870/mo
Down Payment (5%)
$55,750
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 10590.
Estimated Monthly Payment
$7,051
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