10805 — Westchester County, New York Market Snapshot
Housing market data for zip code 10805 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$188,500
Days to Sell
52
Homes Sold
18
Inventory
26
Sale-to-List
98.9%
New Listings
24
Price/SqFt
$224
Pending Sales
20
Conforming Loan Available
Most homebuyers in 10805 can comfortably use conventional financing. The median home price of $188,500 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
10805's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 10805 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10805 can comfortably use conventional financing. The median home price of $188,500 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 10805 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 10805
To purchase the median home at $188,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,594.
Monthly Payment
$1,594
Income Required
$68,324
Principal & Interest
$1,161/mo
Down Payment (5%)
$9,425
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 10805.
Estimated Monthly Payment
$1,317
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