10522 — Westchester County, New York Market Snapshot
Housing market data for zip code 10522 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,247,000
Days to Sell
33
Homes Sold
12
Inventory
11
Sale-to-List
103.1%
New Listings
28
Price/SqFt
$564
Pending Sales
22
Jumbo Loan Likely Needed
The median home in 10522 at $1,247,000 exceeds the 2026 conforming loan limit of $1,209,750 by $37,250. 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
10522's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 10522 are selling 3.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10522 at $1,247,000 exceeds the 2026 conforming loan limit of $1,209,750 by $37,250. 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 10522 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 10522
To purchase the median home at $1,247,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,704.
Monthly Payment
$9,704
Income Required
$415,891
Principal & Interest
$7,684/mo
Down Payment (5%)
$62,350
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 10522.
Estimated Monthly Payment
$7,867
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