10804 — Westchester County, New York Market Snapshot
Housing market data for zip code 10804 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$1,101,776
Days to Sell
15
Homes Sold
23
Inventory
31
Sale-to-List
105.1%
New Listings
78
Price/SqFt
$514
Pending Sales
53
Conforming Loan Available
The median home in 10804 at $1,101,776 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 10804 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10804 are selling 5.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10804 at $1,101,776 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 10804 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 10804
To purchase the median home at $1,101,776 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,591.
Monthly Payment
$8,591
Income Required
$368,205
Principal & Interest
$6,789/mo
Down Payment (5%)
$55,089
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 10804.
Estimated Monthly Payment
$6,969
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