10701 — Westchester County, New York Market Snapshot
Housing market data for zip code 10701 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$590,000
Days to Sell
64
Homes Sold
37
Inventory
65
Sale-to-List
99.3%
New Listings
76
Price/SqFt
$299
Pending Sales
49
Conforming Loan Available
Most homebuyers in 10701 can comfortably use conventional financing. The median home price of $590,000 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
With homes sitting for 64 days on average, 10701 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 10701 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10701 can comfortably use conventional financing. The median home price of $590,000 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 10701 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 10701
To purchase the median home at $590,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,670.
Monthly Payment
$4,670
Income Required
$200,160
Principal & Interest
$3,635/mo
Down Payment (5%)
$29,500
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 10701.
Estimated Monthly Payment
$3,801
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