10504 — Westchester County, New York Market Snapshot
Housing market data for zip code 10504 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
$1,593,500
Days to Sell
41
Homes Sold
18
Inventory
27
Sale-to-List
100.5%
New Listings
50
Price/SqFt
$476
Pending Sales
33
Jumbo Loan Likely Needed
The median home in 10504 at $1,593,500 exceeds the 2026 conforming loan limit of $1,209,750 by $383,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
10504's market is balanced with homes taking an average of 41 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 10504 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 10504 at $1,593,500 exceeds the 2026 conforming loan limit of $1,209,750 by $383,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 10504 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 10504
To purchase the median home at $1,593,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,359.
Monthly Payment
$12,359
Income Required
$529,667
Principal & Interest
$9,819/mo
Down Payment (5%)
$79,675
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 10504.
Estimated Monthly Payment
$10,012
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 10504.
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