10703 — Westchester County, New York Market Snapshot
Housing market data for zip code 10703 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$614,500
Days to Sell
55
Homes Sold
24
Inventory
20
Sale-to-List
96.1%
New Listings
42
Price/SqFt
$320
Pending Sales
33
Conforming Loan Available
Most homebuyers in 10703 can comfortably use conventional financing. The median home price of $614,500 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
10703's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 10703 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 10703 can comfortably use conventional financing. The median home price of $614,500 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 10703 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 10703
To purchase the median home at $614,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,858.
Monthly Payment
$4,858
Income Required
$208,204
Principal & Interest
$3,786/mo
Down Payment (5%)
$30,725
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 10703.
Estimated Monthly Payment
$3,953
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