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City · 14,154 residents · Westchester County, New York

Jefferson Valley-Yorktown , New York

In Jefferson Valley-Yorktown, a typical home is worth $591,800 and typical rent is $2,106 a month. Compared with all of Westchester County, typical household income is 32% higher, the typical home value is 11% lower, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $591,800

    11% below the county

    40% above New York

    • Jefferson Valley-Yorktown
    • Westchester
    • New York

  • Typical rent

    $2,106a month

    8% above the county

    30% above New York

    • Jefferson Valley-Yorktown
    • Westchester
    • New York

  • Typical household income

    $157,083a year

    32% above the county

    83% above New York

    • Jefferson Valley-Yorktown
    • Westchester
    • New York

  • Households that own their home

    89%

    28 points above the county

    35 points above New York

    • Jefferson Valley-Yorktown
    • Westchester
    • New York

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

Jefferson Valley-Yorktown 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 Jefferson Valley-Yorktown apart

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

  1. 89% of households in Jefferson Valley-Yorktown own their home, against 62% in Westchester County.

  2. Nearby, in Carmel, the typical rent is $1,150: 45% less than in Jefferson Valley-Yorktown ($2,106).

  3. Nearby, in Peekskill, the typical home value is $395,600: 33% less than in Jefferson Valley-Yorktown ($591,800).

  4. The typical household income in Jefferson Valley-Yorktown is $157,083, 32% more than in Westchester County as a whole ($118,976).

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

The homes here

Housing in Jefferson Valley-Yorktown

What homes there are in Jefferson Valley-Yorktown, 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

In Jefferson Valley-Yorktown, 7 in 10 homes are single-family detached houses; in Westchester County, 4.

Year built

Homes in Jefferson Valley-Yorktown are newer: the typical year built is 1968; in Westchester County, 1959.

There is more room for a big family here: 72% of homes have 3 bedrooms or more, against 50% in Westchester County.

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

With a mortgage

$3,599 a month

Westchester County: $4,000 a month

Without a mortgage

$1,413 a month

Westchester County: $1,500 or more a month

Owners with a mortgage

62%

Westchester County: 61%

Owning costs less in Jefferson Valley-Yorktown: with a mortgage, the typical cost is $3,599 a month; in Westchester County, $4,000. Without one, $1,413.

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

The typical home value in Jefferson Valley-Yorktown rose 40% since 2015–2019, more than in Westchester County (23%).

Rents in Jefferson Valley-Yorktown rose at about the same pace as in Westchester County: 25% since 2015–2019, against 27%.

The typical household income in Jefferson Valley-Yorktown rose 21%: less than home values (+40%) and rent (+25%).

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

MeasureJefferson Valley-YorktownWestchester 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 Unreliable estimate5.0%5.3%3.4%
People per household 2.772.612.492.53
Drive alone 64%50%49%69%
Carpool 6%7%6%9%
Public transit 7%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 23%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Jefferson Valley-Yorktown are bigger: 2.77 people on average; in Westchester County, 2.61.

In Jefferson Valley-Yorktown, 23% of workers work from home, more than in Westchester County (19%).

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 Jefferson Valley-Yorktown?

A typical home costs more than the typical income allows

We start with a typical home in Jefferson Valley-Yorktown, worth $591,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Jefferson Valley-Yorktown, which is $157,083 a year. For that payment to be 28% of income, a household would need to earn about $226,210 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 Jefferson Valley-Yorktown. 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 $20,713 (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

$5,278

at 7.18% · 30 years

Loan amount
$581,081
Total interest
$836,039
Paid off in
November 2056

Includes $9,994 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,665 a month

  • Tight

    $3,665 to $4,712 a month

  • Hard

    more than $4,712 a month

    Your payment · 40%

Compared with the typical household income in Jefferson Valley-Yorktown ($157,083 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,278
Principal & interest$3,936
Property tax$833
Home insurance$247
FHA mortgage insurance (MIP)$262

You need at least $20,713 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

Jefferson Valley-Yorktown and Westchester County

Jefferson Valley-Yorktown 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).

Jefferson Valley-Yorktown's own numbers

Typical home value
$591,800
Typical monthly rent
$2,106
Typical yearly household income
$157,083
Households that own their home
89%
Effective property tax rate
1.69%

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 Jefferson Valley-Yorktown

A typical home in Jefferson Valley-Yorktown is worth $591,800: 11% below the county and 40% above New York. With the typical household income in Jefferson Valley-Yorktown ($157,083 a year), a typical home costs 3.8 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.

  • Jefferson Valley-Yorktown 3.8 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

Jefferson Valley-Yorktown 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
  • Jefferson Valley-Yorktown $591,800
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Jefferson Valley-Yorktown $2,106
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Jefferson Valley-Yorktown $157,083
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Jefferson Valley-Yorktown next to Westchester County and New York
Measure Jefferson Valley-Yorktown Westchester County New York U.S.
Typical home value $591,800 $663,200 $423,800 $332,700
Typical monthly rent $2,106 $1,951 $1,621 $1,413
Typical yearly household income $157,083 $118,976 $85,974 $80,734
Households that own their home 89% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.69% 1.51% 1.55% 0.94%

“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 Jefferson Valley-Yorktown

For a typical $591,800 home in Jefferson Valley-Yorktown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jefferson Valley-Yorktown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,278a month

    Least cash to close
    Down payment
    $20,713
    Cash to close
    $38,467
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $262

  • Conventional, 5% down $5,170a month

    Down payment
    $29,590
    Cash to close
    $47,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $281

  • Conventional, 20% down, no PMI $4,287a month

    Down payment
    $118,360
    Cash to close
    $136,114
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,834a month

    Down payment
    $88,770
    Cash to close
    $106,524
    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 Jefferson Valley-Yorktown and for Westchester County.

Property tax

Effective rate in Jefferson Valley-Yorktown

1.69%of the home’s value each year

$10,001 a year for the typical owner in Jefferson Valley-Yorktown.

  • Jefferson Valley-Yorktown 1.69%
  • 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 Jefferson Valley-Yorktown

Typical rent in Jefferson Valley-Yorktown is $2,106 a month: 8% above the county.

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 Jefferson Valley-Yorktown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jefferson Valley-Yorktown has 2 ZIP codes with their own.

For 2 bedrooms it runs from $3,040 in 10535 to $3,690 in 10598.

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

  • 10535 $3,040$3,850
  • 10598 $3,690$4,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jefferson Valley-Yorktown 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?

Free help

Help to buy or rent in Jefferson Valley-Yorktown

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Jefferson Valley-Yorktown

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

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

Housing counselors near Jefferson Valley-Yorktown

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

  • The Preservation Company

    1037 Main St, Peekskill · 6 miles away · Spanish

    • Rental counseling
    (914) 595-2692

  • Putnam County Housing Corporation

    102 Gleneida Ave, Carmel · 9 miles away · Spanish

    Also serves in Polish.

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (845) 225-8493

  • Cambridge Credit Counseling Corporation - New York Branch

    245 Saw Mill River Road, Hawthorne · 15 miles away · Spanish

    Also serves in Polish.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (888) 656-4396

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Jefferson Valley-Yorktown

3 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 Jefferson Valley-Yorktown

In HUD’s record, no housing authority with an office in Westchester County is named for Jefferson Valley-Yorktown 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 Jefferson Valley-Yorktown, 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 Jefferson Valley-Yorktown.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Jefferson Valley-Yorktown

Short answers with the numbers for Jefferson Valley-Yorktown 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 Jefferson Valley-Yorktown?

The typical home value in Jefferson Valley-Yorktown is $591,800, 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 Jefferson Valley-Yorktown?

Typical rent in Jefferson Valley-Yorktown is $2,106 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 Jefferson Valley-Yorktown?

Jefferson Valley-Yorktown 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 Jefferson Valley-Yorktown?

The typical homeowner in Jefferson Valley-Yorktown pays $10,001 a year, according to the U.S. Census Bureau. That is 1.69% of the home’s value; in Westchester County, the rate is 1.51%.

Where can I find free help to buy or rent in Jefferson Valley-Yorktown?

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).