10605 — Westchester County, New York Market Snapshot
Housing market data for zip code 10605 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$761,500
Days to Sell
16
Homes Sold
40
Inventory
34
Sale-to-List
104.9%
New Listings
74
Price/SqFt
$432
Pending Sales
58
Conforming Loan Available
Most homebuyers in 10605 can comfortably use conventional financing. The median home price of $761,500 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 10605 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10605 are selling 4.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 10605 can comfortably use conventional financing. The median home price of $761,500 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 10605 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 10605
To purchase the median home at $761,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,984.
Monthly Payment
$5,984
Income Required
$256,473
Principal & Interest
$4,692/mo
Down Payment (5%)
$38,075
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 10605.
Estimated Monthly Payment
$4,863
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