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City · 20,491 residents · Westchester County, New York

Eastchester , New York

In Eastchester, a typical home is worth $790,100 and typical rent is $2,210 a month. Compared with all of Westchester County, typical household income is 32% higher, the typical home value is 19% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $790,100

    19% above the county

    86% above New York

    • Eastchester
    • Westchester
    • New York

  • Typical rent

    $2,210a month

    13% above the county

    36% above New York

    • Eastchester
    • Westchester
    • New York

  • Typical household income

    $157,202a year

    32% above the county

    83% above New York

    • Eastchester
    • Westchester
    • New York

  • Households that own their home

    80%

    18 points above the county

    26 points above New York

    • Eastchester
    • Westchester
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical rent
$3,351 a month

From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Eastchester is in Westchester County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Westchester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Eastchester apart

What this place has that others do not, from public data, most unusual first.

  1. 80% of households in Eastchester own their home, against 62% in Westchester County.

  2. The typical household income in Eastchester is $157,202, 32% more than in Westchester County as a whole ($118,976).

  3. Nearby, in Tuckahoe, the typical home value is $621,300: 21% less than in Eastchester ($790,100).

  4. The typical home in Eastchester is worth $790,100, 19% more than in Westchester County as a whole ($663,200).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Eastchester

What homes there are in Eastchester, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Eastchester: 52% of homes, more than in Westchester County (43%).

Year built

In Eastchester, half of the homes were built before 1952; in Westchester County, before 1959.

In Eastchester, 54% of homes have 3 bedrooms or more, more than in Westchester County (50%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Owners with a mortgage

55%

Westchester County: 61%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Eastchester rose 33%; in Westchester County, it rose 23%.

Rents in Eastchester rose more slowly than in Westchester County: 17% since 2015–2019, against 27%.

To compare: typical income in Eastchester rose 20%; the home, +33%; the rent, +17%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEastchesterWestchester CountyNew YorkUnited States
Rental vacancy Unreliable estimate2.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room 2.5%5.0%5.3%3.4%
People per household 2.642.612.492.53
Drive alone 51%50%49%69%
Carpool 5%7%6%9%
Public transit 18%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 21%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.5% of households in Eastchester live, less than in Westchester County (5.0%).

By size, households in Eastchester look like those in Westchester County: 2.64 people on average.

To get to work, 51% of workers in Eastchester drive alone; in Westchester County, 50%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Eastchester?

A typical home costs more than the typical income allows

We start with a typical home in Eastchester, worth $790,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Eastchester, which is $157,202 a year. For that payment to be 28% of income, a household would need to earn about $290,157 a year.

The calculator's FHA and conventional loan limits are those of all of Westchester County.

Your numbers

Local data
$

Starts at the typical home value in Eastchester. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $27,654 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$6,770

at 7.18% · 30 years

Loan amount
$775,789
Total interest
$1,116,178
Paid off in
November 2056

Includes $13,343 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,668 a month

  • Tight

    $3,668 to $4,716 a month

  • Hard

    more than $4,716 a month

    Your payment · 52%

Compared with the typical household income in Eastchester ($157,202 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,770
Principal & interest$5,255
Property tax$836
Home insurance$329
FHA mortgage insurance (MIP)$349

You need at least $27,654 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Eastchester and Westchester County

Eastchester is in Westchester County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Eastchester's own numbers

Typical home value
$790,100
Typical monthly rent
$2,210
Typical yearly household income
$157,202
Households that own their home
80%
Effective property tax rate
1.27%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Westchester County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,971
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
1.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Westchester County.

Everything about Westchester County

Buying

Buying a home in Eastchester

A typical home in Eastchester is worth $790,100: 19% above the county and 86% above New York. With the typical household income in Eastchester ($157,202 a year), a typical home costs 5.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Eastchester 5.0 years
  • Westchester 5.6 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Westchester County

According to FHFA’s house price index, home prices in Westchester County rose 62% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Westchester County.

Period County New York U.S.
Last year (2025) +5.7% +6.0% +2.9%
5 years (2020–2025) +42% +52% +47%
10 years (2015–2025) +62% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Eastchester next to Westchester County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Eastchester $790,100
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Eastchester $2,210
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Eastchester $157,202
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Eastchester next to Westchester County and New York
Measure Eastchester Westchester County New York U.S.
Typical home value $790,100 $663,200 $423,800 $332,700
Typical monthly rent $2,210 $1,951 $1,621 $1,413
Typical yearly household income $157,202 $118,976 $85,974 $80,734
Households that own their home 80% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.27% 1.51% 1.55% 0.94%
Renters with high rent for their income 62% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Westchester County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Eastchester

For a typical $790,100 home in Eastchester, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eastchester's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,770a month

    Least cash to close
    Down payment
    $27,654
    Cash to close
    $51,357
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $349

  • Conventional, 5% down $6,625a month

    Down payment
    $39,505
    Cash to close
    $63,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $375

  • Conventional, 20% down, no PMI $5,447a month

    Down payment
    $158,020
    Cash to close
    $181,723
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,178a month

    Down payment
    $118,515
    Cash to close
    $142,218
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Eastchester and for Westchester County.

Property tax

Effective rate in Eastchester

1.27%of the home’s value each year

$10,001 a year for the typical owner in Eastchester.

  • Eastchester 1.27%
  • Westchester 1.51%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Westchester County

FEMA does not publish these numbers by city: they are for all of Westchester County.

Homes in the high-risk zone
1.8%
3,657
Of those, with NFIP insurance
64%
County New York U.S.
Homes in the high-risk zone 1.8% 2% 3.5%
Of those, with NFIP insurance 64% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eastchester

Typical rent in Eastchester is $2,210 a month: 13% above the county. In Eastchester, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Westchester County, by unit size. To pay the 2-bedroom one ($2,971 a month) without spending more than 30% of your income, you would need to earn $57.13 an hour working full time.

HUD fair market rent for all of Westchester County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,593 $49.87 $103,720
1 bedroom $2,729 $52.48 $109,160
2 bedrooms $2,971 $57.13 $118,840
3 bedrooms $3,760 $72.31 $150,400
4 bedrooms $4,121 $79.25 $164,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Eastchester

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eastchester has 3 ZIP codes with their own.

For 2 bedrooms it runs from $3,130 in 10709 to $3,860 in 10583.

3 of the 3 are above the fair market rent for Westchester County ($2,971).

  • 10583 $3,860$4,880
  • 10708 $3,310$4,190
  • 10709 $3,130$3,960

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eastchester when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Eastchester

HUD lists one building with rents for lower incomes in Eastchester.

  • Sleepy Hollow 46 Jackson Ave, Eastchester 10709 118 homes, 117 low-income · For older adults

See all 183 buildings in Westchester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Eastchester

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 6 HUD-approved agencies with an office in Westchester County; 3 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Eastchester

No down payment, repair or rent-help program on our list is for Eastchester or Westchester County. The ones below are statewide in New York: they work in Eastchester the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Eastchester

The HUD-approved agencies closest to the center of Eastchester, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Westchester Residential Opportunities, Incorporated

    470 Mamaroneck Ave Ste 410, White Plains · 5 miles away · Spanish

    Also serves in French, Italian, and other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (914) 428-4507

  • Community Housing Innovations, Inc

    1 N Broadway, White Plains · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (914) 683-1010

  • The Bronx Neighborhood Housing Services CDC, Inc.

    1451 East Gun Hill Road 2nd fl, Bronx · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (718) 881-1180

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Eastchester

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Eastchester

In HUD’s record, no housing authority with an office in Westchester County is named for Eastchester or Westchester County.

15 other authorities have an office in Westchester County: see the list Source: HUD

Cities

Other cities in Westchester County

These cities are also in Westchester County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Westchester County Housing in New York
See 18 more cities in Westchester County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Eastchester, with the typical home value.

Neighboring counties

If Westchester County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Eastchester.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Eastchester

Short answers with the numbers for Eastchester and all of Westchester County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Eastchester?

The typical home value in Eastchester is $790,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Westchester County it is $663,200.

How much does it cost to rent in Eastchester?

Typical rent in Eastchester is $2,210 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Westchester County is $2,971.

What is the FHA loan limit in Eastchester?

Eastchester uses the FHA limit for all of Westchester County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Eastchester?

The typical homeowner in Eastchester pays $10,001 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Westchester County, the rate is 1.51%.

Where can I find free help to buy or rent in Eastchester?

There are 6 HUD-approved counseling agencies with an office in Westchester County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).