10538 — Westchester County, New York Market Snapshot
Housing market data for zip code 10538 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$255,000
Days to Sell
42
Homes Sold
11
Inventory
9
Sale-to-List
99.3%
New Listings
11
Price/SqFt
$344
Pending Sales
6
Conforming Loan Available
Most homebuyers in 10538 can comfortably use conventional financing. The median home price of $255,000 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
10538's market is balanced with homes taking an average of 42 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 10538 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10538 can comfortably use conventional financing. The median home price of $255,000 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 10538 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 10538
To purchase the median home at $255,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,104.
Monthly Payment
$2,104
Income Required
$90,160
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,750
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 10538.
Estimated Monthly Payment
$1,728
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 10538. Tell us what you're looking for.