Westchester County, New York home prices
Typical home $877,732 · +7.8% in a year · property tax 1.51%
The typical home in Westchester County is worth $877,732, 67% more than the New York typical home ($524,942). Values changed +7.8% in the past year and +31.2% over five years. Homeowners here pay a median 1.51% of their home's value in property tax each year ($13,236 on the typical home), versus 1.42% statewide.
Mortgage on the typical Westchester County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $175,546 | $702,185 | $4,724 | $0 | $1,542 | $6,266 | $268,500 |
| 10% down | $87,773 | $789,958 | $5,314 | $329 | $1,542 | $7,185 | $307,900 |
| 5% down | $43,887 | $833,845 | $5,609 | $347 | $1,542 | $7,499 | $321,400 |
| 3.5% down (FHA) | $30,721 | $861,834 | $5,798 | $388 | $1,542 | $7,728 | $331,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.51% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the New York metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Nassau County | $851,504 | +5.8% | 1.46% |
| Kings County | $962,988 | +5.3% | 0.71% |
| Rockland County | $758,178 | +5.2% | 1.68% |
| Queens County | $745,223 | +4.8% | 0.87% |
| Suffolk County | $729,701 | +4.0% | 1.73% |
| Richmond County | $724,119 | +5.2% | 0.92% |
| Putnam County | $575,184 | +5.5% | 2.12% |
| New York County | $1,247,381 | +3.2% | 0.92% |
| Dutchess County | $504,887 | +5.7% | 1.89% |
| Bronx County | $503,721 | +5.8% | 1.03% |
Frequently asked questions
What is the average home price in Westchester County, NY?
The typical home value in Westchester County is $877,732 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Westchester County?
About $268,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Westchester County?
The median effective rate is 1.51% of home value a year (Census ACS 2024 5-year estimates).