10801 — Westchester County, New York Market Snapshot
Housing market data for zip code 10801 in Westchester County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$797,500
Days to Sell
48
Homes Sold
46
Inventory
43
Sale-to-List
99.6%
New Listings
75
Price/SqFt
$349
Pending Sales
60
Conforming Loan Available
Most homebuyers in 10801 can comfortably use conventional financing. The median home price of $797,500 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
10801's market is balanced with homes taking an average of 48 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 10801 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 10801 can comfortably use conventional financing. The median home price of $797,500 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 10801 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 10801
To purchase the median home at $797,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,260.
Monthly Payment
$6,260
Income Required
$268,294
Principal & Interest
$4,914/mo
Down Payment (5%)
$39,875
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 10801.
Estimated Monthly Payment
$5,086
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