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City · 19,826 residents · Westchester County, New York

Mamaroneck , New York

In Mamaroneck, a typical home is worth $717,200 and typical rent is $2,157 a month. Compared with all of Westchester County, typical rent is 11% higher, the typical home value is 8% higher, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $717,200

    8% above the county

    69% above New York

    • Mamaroneck
    • Westchester
    • New York

  • Typical rent

    $2,157a month

    11% above the county

    33% above New York

    • Mamaroneck
    • Westchester
    • New York

  • Typical household income

    $120,000a year

    About the same as the county

    40% above New York

    • Mamaroneck
    • Westchester
    • New York

  • Households that own their home

    57%

    5 points below the county

    2 points above New York

    • Mamaroneck
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$3,664 a month
4.4% more than 12 months ago

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

Mamaroneck 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 Mamaroneck apart

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

  1. 57% of households in Mamaroneck own their home, against 62% in Westchester County.

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

The homes here

Housing in Mamaroneck

What homes there are in Mamaroneck, 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 Mamaroneck there is a bit of everything: no kind of home reaches half. The most common are detached houses (39%); in Westchester County, 43%.

Year built

The typical home in Mamaroneck was built in 1953, 6 years before the typical one in Westchester County.

Homes in Mamaroneck are smaller: 45% 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

68%

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

Homes in Mamaroneck gained value more slowly than in Westchester County: 15% since 2015–2019, against 23%.

Rent in Mamaroneck 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

MeasureMamaroneckWestchester 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 2.682.612.492.53
Drive alone 44%50%49%69%
Carpool 9%7%6%9%
Public transit 19%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 22%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 Mamaroneck has 2.68 people on average.

To get to work, 44% of workers in Mamaroneck 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 Mamaroneck?

A typical home costs more than the typical income allows

We start with a typical home in Mamaroneck, worth $717,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Mamaroneck, which is $120,000 a year. For that payment to be 28% of income, a household would need to earn about $266,458 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 Mamaroneck. 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 $25,102 (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

$6,217

at 7.18% · 30 years

Loan amount
$704,210
Total interest
$1,013,193
Paid off in
November 2056

Includes $12,112 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,800 a month

  • Tight

    $2,800 to $3,600 a month

  • Hard

    more than $3,600 a month

    Your payment · 62%

Compared with the typical household income in Mamaroneck ($120,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,217
Principal & interest$4,771
Property tax$831
Home insurance$299
FHA mortgage insurance (MIP)$317

You need at least $25,102 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

Mamaroneck and Westchester County

Mamaroneck 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).

Mamaroneck's own numbers

Typical home value
$717,200
Typical monthly rent
$2,157
Typical yearly household income
$120,000
Households that own their home
57%
Effective property tax rate
1.39%

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 Mamaroneck

A typical home in Mamaroneck is worth $717,200: 8% above the county and 69% above New York. With the typical household income in Mamaroneck ($120,000 a year), a typical home costs 6.0 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.

  • Mamaroneck 6.0 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

Mamaroneck 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
  • Mamaroneck $717,200
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Mamaroneck $2,157
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Mamaroneck $120,000
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Mamaroneck next to Westchester County and New York
Measure Mamaroneck Westchester County New York U.S.
Typical home value $717,200 $663,200 $423,800 $332,700
Typical monthly rent $2,157 $1,951 $1,621 $1,413
Typical yearly household income $120,000 $118,976 $85,974 $80,734
Households that own their home 57% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.39% 1.51% 1.55% 0.94%
Renters with high rent for their income 57% 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 Mamaroneck

For a typical $717,200 home in Mamaroneck, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mamaroneck's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,217a month

    Least cash to close
    Down payment
    $25,102
    Cash to close
    $46,618
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $317

  • Conventional, 5% down $6,086a month

    Down payment
    $35,860
    Cash to close
    $57,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $341

  • Conventional, 20% down, no PMI $5,016a month

    Down payment
    $143,440
    Cash to close
    $164,956
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,679a month

    Down payment
    $107,580
    Cash to close
    $129,096
    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 Mamaroneck and for Westchester County.

Property tax

Effective rate in Mamaroneck

1.39%of the home’s value each year

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

  • Mamaroneck 1.39%
  • 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 Mamaroneck

Typical rent in Mamaroneck is $2,157 a month: 11% above the county. In Mamaroneck, 57% 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 Mamaroneck

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mamaroneck is in ZIP code 10543.

For 2 bedrooms it is $3,300: $329 more than the fair market rent for Westchester County ($2,971).

  • 10543 $3,300$4,180

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

HUD lists 2 buildings with rents for lower incomes in Mamaroneck. These are the largest.

  • Mamaroneck Towers 233 Halstead Ave, Mamaroneck 10543 75 homes, 74 low-income · For older adults
  • 726 Old White Plains Road 726 Old White Plains Rd, Mamaroneck 10543 10 low-income homes · 1 bd: 4 · 2 bd: 6 · In service since 2007 · For families

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

Free help

Help to buy or rent in Mamaroneck

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 man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Mamaroneck

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

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

Housing counselors near Mamaroneck

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

  • Human Development Services of Westchester, Inc.

    26 N Main St, Port Chester · 6 miles away

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

  • Westchester Residential Opportunities, Incorporated

    470 Mamaroneck Ave Ste 410, White Plains · 6 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 · 7 miles away

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

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Mamaroneck

1 of the 3 agencies on this list says it serves 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 Mamaroneck

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

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Mamaroneck

Short answers with the numbers for Mamaroneck 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 Mamaroneck?

The typical home value in Mamaroneck is $717,200, 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 Mamaroneck?

Typical rent in Mamaroneck is $2,157 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 Mamaroneck?

Mamaroneck 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 Mamaroneck?

The typical homeowner in Mamaroneck pays $10,001 a year, according to the U.S. Census Bureau. That is 1.39% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).