10706 — Westchester County, New York Market Snapshot
Housing market data for zip code 10706 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
$1,425,000
Days to Sell
16
Homes Sold
11
Inventory
10
Sale-to-List
117.0%
New Listings
27
Price/SqFt
$706
Pending Sales
15
Jumbo Loan Likely Needed
The median home in 10706 at $1,425,000 exceeds the 2026 conforming loan limit of $1,209,750 by $215,250. 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
Homes in 10706 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 10706 are selling 17.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 10706 at $1,425,000 exceeds the 2026 conforming loan limit of $1,209,750 by $215,250. 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 10706 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 10706
To purchase the median home at $1,425,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,068.
Monthly Payment
$11,068
Income Required
$474,339
Principal & Interest
$8,780/mo
Down Payment (5%)
$71,250
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 10706.
Estimated Monthly Payment
$8,969
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