10549 — Westchester County, New York Market Snapshot
Housing market data for zip code 10549 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
$285,000
Days to Sell
27
Homes Sold
11
Inventory
10
Sale-to-List
103.9%
New Listings
22
Price/SqFt
$237
Pending Sales
19
Conforming Loan Available
Most homebuyers in 10549 can comfortably use conventional financing. The median home price of $285,000 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
Homes in 10549 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10549 are selling 3.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 10549 can comfortably use conventional financing. The median home price of $285,000 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 10549 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 10549
To purchase the median home at $285,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,334.
Monthly Payment
$2,334
Income Required
$100,011
Principal & Interest
$1,756/mo
Down Payment (5%)
$14,250
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 10549.
Estimated Monthly Payment
$1,914
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 10549. Tell us what you're looking for.