How can I buy a home in Westchester County?
Covering 500 square miles between the Long Island Sound and the Hudson River, Westchester County, New York is a perfect option for buyers looking for a home. Westchester shows its rich history and culture through the architecture found in Gilded Age estates and colonial-style homes.
To buy a home in Westchester County, you will need to review your finances and understand what the average home price in Westchester County, NY is. Whether it’s your first house or you’re looking for an investment property, reviewing your finances will help you determine how much home you could afford.
After you have an idea of your finances, look at different areas in Westchester County to find out which area is in your price range. When looking at different areas, make sure they have access to the amenities you need such as school districts, shopping centers, parks or a booming job market.
After you have reviewed all your finances and found out the home prices in your desired area, talk with a trusted lender to start your mortgage application.
What’s the median home price in Westchester County?
With close to 4,000 homes in the area, the median home sold price is $855,000, while the median listing price of homes in this area is $749,000. The median listing price per square foot in the 19 towns that make up Westchester County is $403/sq ft.
Westchester County’s median price of a sold home is higher than the rest of the New York State ($588,700) and the rest of the country ($462,206).
What would a mortgage look like in Westchester County?
The easiest way to learn what your mortgage in Westchester County would look like is by talking with a lender. Your exact mortgage will be determined by the loan you qualify for, where the current interest rates are at and what your financial situation looks like. Talking with a professional Loan Officer could help you determine your exact mortgage.
It should be noted that due to its high population density, much of New York state is not eligible for USDA loans.
What is the housing market like in Westchester County?
Consisting of 19 towns, there are about 4,000 homes for sale in Westchester County, NY as of June 2025.
All numbers for the popular areas listed below are as of June 2025.
Yonkers, NY
Known as the City of Seven Hills, Yonkers offers stunning views of the Hudson River and neighboring areas. There are currently 726 homes for sale listed between $69,000 and $6 million in Yonkers. At the moment, homes in the area are selling for their approximate asking price.
- Median sold price: $550,000
- Median listing price: $429,000
- Average household income: $110,907
- Population: 205,432
- Median age: 39
White Plains, NY
From modern shopping centers and public transit with convenient access to New York City to significant connections to the American Revolution, White Plains ties the past with the present. There are currently 261 homes for sale listed between $95,000 and $9.9 million in White Plains. At the moment, homes are selling for 2.76% above asking price.
- Median sold price: $495,000
- Median listing price: $658,500
- Average household income: $164,273
- Population: 62,518
- Median age: 41.5
New Rochelle, NY
Home to the fictional Petrie family in The Dick Van Dyke Show, New Rochelle has been a fixture in pop culture and media since the opening of one of the very first movie studios, the Thanhouser Company, in 1910. There are currently 274 homes for sale listed between $75,000 and $19 million in New Rochelle. At the moment, homes are selling for their approximate asking price.
- Median sold price: $842,000
- Median listing price: $849,000
- Average household income: $166,757
- Population: 86,108
- Median age: 41.9
Mount Vernon, NY
Located between the Hudson and Bronx rivers north of Manhattan, Mount Vernon was first settled in 1662 and is still a popular option for homeowners. There are currently 263 homes for sale listed between $73,000 and $2.5 million in Mount Vernon. At the moment, homes are selling for their approximate asking price.
- Median sold price: $549,000
- Median listing price: $399,900
- Average household income: $102,525
- Population: 69,576
- Median age: 41.9
What are the available amenities in Westchester County?
Less than 30 miles north of New York City, Westchester County is home to scenic parks, historic estates and is the setting of Washington Irving’s famous short story "The Legend of Sleepy Hollow."
- Walk the grounds of a Victorian-era Gothic Revival country home while touring the Lyndhurst Mansion. Designed in 1838, the Lyndhurst mansion sits on 67 beautifully-kept acres on the Hudson River. The mansion still has much of the unique Victorian furniture left by the previous owners. You can also see the home’s 1894 bowling alley, but due to its age, you will have to go somewhere else to roll a strike.
- Visit the more-than-a-century-old walled garden at Untermyer Gardens Conservatory, built by the first lawyer in America to earn $1 million on a single case. Open seven days a week, this 43- acre public park features gorgeous spots like the Temple of Love and the Rock & Stream Garden.
- For lovers of literature or history, keep your eyes peeled for the Headless Horseman when visiting the Sleepy Hollow Cemetery. While you look for the headless rider, you can visit the graves of industrialist Andrew Carnegie as well as the author who brought fame to Sleepy Hollow: Washington Irving. The cemetery offers daytime tours and, if you’re brave enough, evening lantern tours.
How can I start the mortgage process for a home in Westchester County?
Start your home mortgage process by getting pre-approved from a lender. A pre-approval will set your home budget and give you an idea of home much you’re likely to get approved for.
By looking at your financial documents and checking your credit, professional lenders will show what home loan and amount you qualify for with a pre-approval. Having your pre-approval in hand, you’ll be able to see the range of homes you can afford and make a firm offer when you find one. The best time to get a pre-approval is a few weeks before you start home-shopping. Pre-approvals expire after three to six months depending on your lender, so make sure you use your time well.
If you don’t want a credit check or are just looking for a home budget estimate before shopping, you could get a pre-qualification. Unlike pre-approvals, pre-qualifications can't be used to make offers. However, they don’t require a credit check and can give you a quick estimate of your homebuying budget.
Connect with an expert Loan Officer and get pre-approved or pre-qualified to start your home mortgage process for Westchester County.
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