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City · 6,567 residents · Westchester County, New York

Larchmont , New York

In Larchmont, a typical home is worth $1,635,500 and typical rent is $2,093 a month. Compared with all of Westchester County, the typical home value is 147% higher, typical household income is 41% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $1,635,500

    147% above the county

    286% above New York

    • Larchmont
    • Westchester
    • New York

  • Typical rent

    $2,093a month

    7% above the county

    29% above New York

    • Larchmont
    • Westchester
    • New York

  • Typical household income

    $167,536a year

    41% above the county

    95% above New York

    • Larchmont
    • Westchester
    • New York

  • Households that own their home

    73%

    11 points above the county

    18 points above New York

    • Larchmont
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$1,766,389
13.4% more than 12 months ago

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

Larchmont 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 Larchmont apart

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

  1. Larchmont has the 4th highest typical home value of the 348 cities in New York with more than 5,000 people ($1,635,500).

  2. Nearby, in New Rochelle, the typical home value is $702,500: 57% less than in Larchmont ($1,635,500).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Larchmont rose 13.4%; in New York, it rose 5.6%.

  4. The typical household income in Larchmont is $167,536, 41% more than in Westchester County as a whole ($118,976).

  5. 73% of households in Larchmont own their home, against 62% in Westchester County.

  6. Larchmont has the 28th largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (73%).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Larchmont

What homes there are in Larchmont, 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

Detached houses, standing on their own, make up 63% of homes here, against 43% in Westchester County.

Year built

Homes in Larchmont are older: the typical year built is 1940; in Westchester County, 1959.

Homes in Larchmont are bigger: 64% have 3 bedrooms or more; 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

58%

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

The typical home value in Larchmont rose 42% since 2015–2019, more than in Westchester County (23%).

Rent in Larchmont moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureLarchmontWestchester 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 2.582.612.492.53
Drive alone 21%50%49%69%
Carpool Unreliable estimate7%6%9%
Public transit 30%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 39%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Westchester County, a household in Larchmont has 2.58 people on average.

In Larchmont, 39% 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 Larchmont?

A typical home costs more than the typical income allows

We start with a typical home in Larchmont, worth $1,635,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 96% of the typical household income in Larchmont, which is $167,536 a year. For that payment to be 28% of income, a household would need to earn about $573,344 a year. Note: at that price the loan is above the FHA limit for Westchester County ($1,249,125), so FHA would not insure it; the payment is only a reference.

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 Larchmont. 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 $57,243 (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

$13,378

at 7.18% · 30 years

Loan amount
$1,605,876
Total interest
$2,310,480
Paid off in
November 2056

Includes $27,619 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,909 a month

  • Tight

    $3,909 to $5,026 a month

  • Hard

    more than $5,026 a month

    Your payment · 96%

Compared with the typical household income in Larchmont ($167,536 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$13,378
Principal & interest$10,879
Property tax$831
Home insurance$682
FHA mortgage insurance (MIP)$986

This loan is over the FHA limit

You'd borrow $1,578,257, but the FHA limit for a one-unit home in Larchmont is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $57,243 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

Larchmont and Westchester County

Larchmont 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).

Larchmont's own numbers

Typical home value
$1,635,500
Typical monthly rent
$2,093
Typical yearly household income
$167,536
Households that own their home
73%
Effective property tax rate
0.61%

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 Larchmont

A typical home in Larchmont is worth $1,635,500: 147% above the county and 286% above New York. With the typical household income in Larchmont ($167,536 a year), a typical home costs 9.8 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.

  • Larchmont 9.8 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

Larchmont 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
  • Larchmont $1,635,500
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Larchmont $2,093
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Larchmont $167,536
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Larchmont next to Westchester County and New York
Measure Larchmont Westchester County New York U.S.
Typical home value $1,635,500 $663,200 $423,800 $332,700
Typical monthly rent $2,093 $1,951 $1,621 $1,413
Typical yearly household income $167,536 $118,976 $85,974 $80,734
Households that own their home 73% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 0.61% 1.51% 1.55% 0.94%
Renters with high rent for their income 73% 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 Larchmont

For a typical $1,635,500 home in Larchmont, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Larchmont's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $13,378a month

    Above the FHA limit for Westchester County ($1,249,125)
    Down payment
    $57,243
    Cash to close
    $106,308
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $986

  • Conventional, 5% down $12,815a month

    Above the conventional limit for Westchester County ($1,209,750): it would be a "jumbo" loan
    Down payment
    $81,775
    Cash to close
    $130,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $777

  • Conventional, 20% down, no PMI $10,376a month

    Above the conventional limit for Westchester County ($1,209,750): it would be a "jumbo" loan
    Down payment
    $327,100
    Cash to close
    $376,165
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $11,888a month

    Down payment
    $245,325
    Cash to close
    $294,390
    Rate
    8.18%
    Mortgage insurance
    None
  • 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 Larchmont and for Westchester County.

Property tax

Effective rate in Larchmont

0.61%of the home’s value each year

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

  • Larchmont 0.61%
  • 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 Larchmont

Typical rent in Larchmont is $2,093 a month: 7% above the county. In Larchmont, 73% 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 Larchmont

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Larchmont is in ZIP code 10538.

For 2 bedrooms it is $3,390: $419 more than the fair market rent for Westchester County ($2,971).

  • 10538 $3,390$4,290

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Larchmont 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 Larchmont

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Larchmont

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

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

Housing counselors near Larchmont

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

  • 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

  • Westchester Residential Opportunities, Incorporated

    470 Mamaroneck Ave Ste 410, White Plains · 7 miles away · Spanish

    Also serves in French, Italian, and other languages.

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

  • Human Development Services of Westchester, Inc.

    26 N Main St, Port Chester · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (914) 835-8906

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Larchmont

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 Larchmont

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

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Larchmont

Short answers with the numbers for Larchmont 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 Larchmont?

The typical home value in Larchmont is $1,635,500, 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 Larchmont?

Typical rent in Larchmont is $2,093 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 Larchmont?

Larchmont 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 Larchmont?

The typical homeowner in Larchmont pays $10,001 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).