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City · 72,427 residents · Westchester County, New York

Mount Vernon , New York

In Mount Vernon, a typical home is worth $484,000 and typical rent is $1,629 a month. Compared with all of Westchester County, typical household income is 34% lower, the typical home value is 27% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $484,000

    27% below the county

    14% above New York

    • Mount Vernon
    • Westchester
    • New York

  • Typical rent

    $1,629a month

    17% below the county

    About the same as New York

    • Mount Vernon
    • Westchester
    • New York

  • Typical household income

    $78,779a year

    34% below the county

    8% below New York

    • Mount Vernon
    • Westchester
    • New York

  • Households that own their home

    43%

    19 points below the county

    11 points below New York

    • Mount Vernon
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$593,663
4.7% more than 12 months ago
Typical rent
$2,639 a month
0.8% less than 12 months ago

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

Mount Vernon 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 Mount Vernon apart

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

  1. 43% of households in Mount Vernon own their home, against 62% in Westchester County.

  2. The typical household income in Mount Vernon is $78,779, 34% less than in Westchester County as a whole ($118,976).

  3. The typical home in Mount Vernon is worth $484,000, 27% less than in Westchester County as a whole ($663,200).

  4. The typical rent in Mount Vernon is $1,629 a month, 17% less than in Westchester County as a whole ($1,951).

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

The homes here

Housing in Mount Vernon

What homes there are in Mount Vernon, 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 Mount Vernon, the apartment is the most common kind of home: 48%, against 35% in Westchester County.

Year built

In Mount Vernon, half of the homes were built before 1953; in Westchester County, before 1959.

In Mount Vernon, 38% of homes have 1 bedroom or none (studios); 36% 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

The FHA limit for Westchester County is high ($1,249,125): at least 97% of owner-occupied homes in Mount Vernon are worth less than $1,000,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Westchester County is $2,971; about 96% of rents in Mount Vernon are below it.

With a mortgage

$3,596 a month

Westchester County: $4,000 a month

Without a mortgage

$1,424 a month

Westchester County: $1,500 or more a month

Owners with a mortgage

61%

Westchester County: 61%

Owning costs less in Mount Vernon: with a mortgage, the typical cost is $3,596 a month; in Westchester County, $4,000. Without one, $1,424.

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 Mount Vernon rose 34%; in Westchester County, it rose 23%.

Rents in Mount Vernon rose more slowly than in Westchester County: 20% since 2015–2019, against 27%.

While home values in Mount Vernon changed +34% and rent +20%, the typical household income rose 32%.

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

MeasureMount VernonWestchester CountyNew YorkUnited States
Rental vacancy 2.1%2.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room 8.1%5.0%5.3%3.4%
People per household 2.552.612.492.53
Drive alone 48%50%49%69%
Carpool 8%7%6%9%
Public transit 26%17%22%3%
Walk or bike 5%4%6%3%
Work from home 9%19%15%15%
Other means 5%2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Mount Vernon look like those in Westchester County: the rental vacancy rate is 2.1%.

More than one person per room: that is how 8.1% of households in Mount Vernon live, more than in Westchester County (5.0%).

A household in Mount Vernon has 2.55 people on average, about the same as in Westchester County (2.61).

In Mount Vernon, 26% of workers get to work by public transit; in Westchester County, 17%.

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 Mount Vernon?

A typical home costs more than the typical income allows

We start with a typical home in Mount Vernon, worth $484,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 68% of the typical household income in Mount Vernon, which is $78,779 a year. For that payment to be 28% of income, a household would need to earn about $191,573 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 Mount Vernon. 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 $16,940 (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

$4,470

at 7.18% · 30 years

Loan amount
$475,234
Total interest
$683,750
Paid off in
November 2056

Includes $8,174 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,838 a month

  • Tight

    $1,838 to $2,363 a month

  • Hard

    more than $2,363 a month

    Your payment · 68%

Compared with the typical household income in Mount Vernon ($78,779 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,470
Principal & interest$3,219
Property tax$835
Home insurance$202
FHA mortgage insurance (MIP)$214

You need at least $16,940 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

Mount Vernon and Westchester County

Mount Vernon 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).

Mount Vernon's own numbers

Typical home value
$484,000
Typical monthly rent
$1,629
Typical yearly household income
$78,779
Households that own their home
43%
Effective property tax rate
2.07%

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 Mount Vernon

A typical home in Mount Vernon is worth $484,000: 27% below the county and 14% above New York. With the typical household income in Mount Vernon ($78,779 a year), a typical home costs 6.1 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.

  • Mount Vernon 6.1 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

Mount Vernon 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
  • Mount Vernon $484,000
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Mount Vernon $1,629
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Mount Vernon $78,779
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Mount Vernon next to Westchester County and New York
Measure Mount Vernon Westchester County New York U.S.
Typical home value $484,000 $663,200 $423,800 $332,700
Typical monthly rent $1,629 $1,951 $1,621 $1,413
Typical yearly household income $78,779 $118,976 $85,974 $80,734
Households that own their home 43% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 2.07% 1.51% 1.55% 0.94%
Renters with high rent for their income 55% 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 Mount Vernon

For a typical $484,000 home in Mount Vernon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Vernon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,470a month

    Least cash to close
    Down payment
    $16,940
    Cash to close
    $31,460
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $214

  • Conventional, 5% down $4,381a month

    Down payment
    $24,200
    Cash to close
    $38,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $230

  • Conventional, 20% down, no PMI $3,660a month

    Down payment
    $96,800
    Cash to close
    $111,320
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,107a month

    Down payment
    $72,600
    Cash to close
    $87,120
    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 Mount Vernon and for Westchester County.

Property tax

Effective rate in Mount Vernon

2.07%of the home’s value each year

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

  • Mount Vernon 2.07%
  • 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 Mount Vernon

Typical rent in Mount Vernon is $1,629 a month: 17% below the county. In Mount Vernon, 55% 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 Mount Vernon

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

For 2 bedrooms it runs from $2,770 in 10552 to $2,860 in 10550.

None is above the fair market rent for Westchester County ($2,971).

  • 10550 $2,860$3,620
  • 10552 $2,770$3,510
  • 10553 $2,790$3,530

A ZIP code counts for Mount Vernon 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 Mount Vernon

HUD lists 17 buildings with rents for lower incomes in Mount Vernon. These are the largest.

  • 22 South West Street 22 S West St, Mount Vernon 10550 189 homes, 188 low-income · 1 bd: 89 · 2 bd: 84 · 3 bd: 16 · In service since 2020 · For families
  • Greater Centennial Homes 103 W 5th St, Mount Vernon 10550 157 homes, 144 low-income · For families
  • Ebony Gardens 142 S 7th Ave, Mount Vernon 10550 144 homes, 143 low-income · For families
  • Intown Towers 37 N 5th Ave, Mount Vernon 10550 137 homes, 136 low-income · For older adults
  • Oakwood Gardens 630 E Lincoln Ave, Mount Vernon 10552 100 homes, 99 low-income · For families

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

Free help

Help to buy or rent in Mount Vernon

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 Mount Vernon

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

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

Housing counselors near Mount Vernon

The HUD-approved agencies closest to the center of Mount Vernon, 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 · 3 miles away · Spanish

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

  • Neighborhood Housing Services of New York City Bronx Branch

    2475 Westchester Avenue, Bronx · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (929) 268-3790

  • Harlem Congregations for Community Improvement

    256 W 153rd St, New York · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (212) 281-4887

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Mount Vernon

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 Mount Vernon

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Mount Vernon

Short answers with the numbers for Mount Vernon 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 Mount Vernon?

The typical home value in Mount Vernon is $484,000, 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 Mount Vernon?

Typical rent in Mount Vernon is $1,629 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 Mount Vernon?

Mount Vernon 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 Mount Vernon?

The typical homeowner in Mount Vernon pays $10,001 a year, according to the U.S. Census Bureau. That is 2.07% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).