10591 — Westchester County, New York Market Snapshot
Housing market data for zip code 10591 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$1,072,500
Days to Sell
28
Homes Sold
38
Inventory
32
Sale-to-List
103.4%
New Listings
53
Price/SqFt
$602
Pending Sales
40
Conforming Loan Available
The median home in 10591 at $1,072,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 10591 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10591 are selling 3.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10591 at $1,072,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 10591 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 10591
To purchase the median home at $1,072,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,367.
Monthly Payment
$8,367
Income Required
$358,592
Principal & Interest
$6,608/mo
Down Payment (5%)
$53,625
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 10591.
Estimated Monthly Payment
$6,787
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