City · 25,625 residents · Westchester County, New York
Peekskill, New York
In Peekskill, a typical home is worth $395,600 and typical rent is $2,036 a month. Compared with all of Westchester County, the typical home value is 40% lower and typical household income is 28% lower.
Typical home value from Zillow, September 2021 to September 2026: from $415,653 to $516,136.
Typical rent
$2,938a month
▲ 5.9% more than 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $2,701 to $2,938.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Peekskill 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Peekskill is worth $395,600,40% less than in Westchester County as a whole ($663,200).
2
The typical household income in Peekskill is $85,954,28% less than in Westchester County as a whole ($118,976).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Peekskill
What homes there are in Peekskill, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Peekskill
Westchester County
New York
United States
Kind of home: Peekskill and its comparisons
Measure
Peekskill
Westchester County
New York
United States
Detached house
32%
43%
41%
61%
Attached house
15%
6%
6%
6%
Building of 2 to 4
24%
15%
17%
8%
Apartments (5 or more)
28%
35%
35%
19%
Mobile home
Unreliable estimate
0%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Peekskill are varied: detached houses are the largest group, at 32%, against 43% in Westchester County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Peekskill
Westchester County
New York
United States
Year built: Peekskill and its comparisons
Measure
Peekskill
Westchester County
New York
United States
Before 1960
45%
52%
52%
26%
1960–1979
25%
24%
22%
24%
1980–1999
16%
13%
14%
25%
2000–2009
9%
5%
6%
14%
2010 or later
6%
5%
6%
11%
Here half of the homes date from 1963 or later; in Westchester County, from 1959 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K16%
$200K–$300K11%
$300K–$500K41%
$500K–$750K24%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Peekskill and its comparisons
Measure
Peekskill
Under $100K
Unreliable estimate
$100K–$200K
16%
$200K–$300K
11%
$300K–$500K
41%
$500K–$750K
24%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49912%
$1,500–$1,99926%
$2,000–$2,49937%
$2,500–$2,9995%
$3,000 or more10%
Monthly rent with utilities: Peekskill and its comparisons
Measure
Peekskill
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
12%
$1,500–$1,999
26%
$2,000–$2,499
37%
$2,500–$2,999
5%
$3,000 or more
10%
With a mortgage
$2,796 a month
Westchester County: $4,000 a month
Without a mortgage
$1,149 a month
Westchester County: $1,500 or more a month
Owners with a mortgage
59%
Westchester County: 61%
Owning costs less in Peekskill: with a mortgage, the typical cost is $2,796 a month; in Westchester County, $4,000. Without one, $1,149.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Peekskill+35%
Westchester County+23%
New York+35%
United States+53%
Typical rent
Peekskill+45%
Westchester County+27%
New York+27%
United States+33%
Typical household income
Peekskill+50%
Westchester County+23%
New York+26%
United States+29%
Change since 2015–2019: Peekskill and its comparisons
Measure
Peekskill
Westchester County
New York
United States
Typical home value
+35%
+23%
+35%
+53%
Typical rent
+45%
+27%
+27%
+33%
Typical household income
+50%
+23%
+26%
+29%
The typical home value in Peekskill rose 35% since 2015–2019, more than in Westchester County (23%).
The typical rent in Peekskill rose 45% over the same time; in Westchester County, it rose 27%.
The typical household income in Peekskill rose 50%: more than home values (+35%) and rent (+45%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Peekskill and its comparisons
Measure
Peekskill
Westchester County
New York
United States
Rental vacancy
Unreliable estimate
2.5%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
5.6%
5.0%
5.3%
3.4%
People per household
2.36
2.61
2.49
2.53
Drive alone
61%
50%
49%
69%
Carpool
14%
7%
6%
9%
Public transit
10%
17%
22%
3%
Walk or bike
Unreliable estimate
4%
6%
3%
Work from home
10%
19%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 5.6% of households in Peekskill live, near the figure in Westchester County (5.0%).
On average, a household in Peekskill has 2.36 people, fewer than in Westchester County (2.61).
In Peekskill, 14% of workers share a car to get to work; in Westchester County, 7%.
Do the math
What would you pay each month for a home in Peekskill?
A typical home costs more than the typical income allows
We start with a typical home in Peekskill, worth $395,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Peekskill, which is $85,954 a year. For that payment to be 28% of income, a household would need to earn about $155,312 a year.
The calculator's FHA and conventional loan limits are those of all of Westchester County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Peekskill. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,846 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,624
at 7.18% · 30 years
Loan amount
$388,435
Total interest
$558,866
Paid off in
November 2056
Includes $6,681 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,006 a month
Tight
$2,006 to $2,579 a month
Hard
more than $2,579 a month
Your payment · 51%
Compared with the typical household income in Peekskill ($85,954 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,631
Property tax
$653
Home insurance
$165
FHA mortgage insurance (MIP)
$175
You need at least $13,846 for the down payment, plus closing costs.
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.
Total monthly payment $3,624; principal and interest $2,631.
The city and its county
Peekskill and Westchester County
Peekskill 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).
Peekskill
Map of Westchester County, New York, with Peekskill marked. Around it, the neighboring counties.
Peekskill
Westchester County
Other cities with a page
Peekskill's own numbers
Typical home value
$395,600
Typical monthly rent
$2,036
Typical yearly household income
$85,954
Households that own their home
59%
Effective property tax rate
1.98%
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.
A typical home in Peekskill is worth $395,600: 40% below the county and 7% below New York. With the typical household income in Peekskill ($85,954 a year), a typical home costs 4.6 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.
Peekskill4.6 years
Westchester5.6 years
New York4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Westchester County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: +3.0% +3.0% 2017
2018: +3.6% +3.6% 2018
2019: +2.4% +2.4% 2019
2020: +1.9% +1.9% 2020
2021: +7.3% +7.3% 2021
2022: +9.2% +9.2% 2022
2023: +6.1% +6.1% 2023
2024: +8.0% +8.0% 2024
2025: +5.7% +5.7% 2025
Change in FHFA’s price index in Westchester County, New York and the United States
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
Peekskill 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
Peekskill$395,600
Westchester$663,200
New York$423,800
United States$332,700
Typical monthly rent
Peekskill$2,036
Westchester$1,951
New York$1,621
United States$1,413
Typical yearly household income
Peekskill$85,954
Westchester$118,976
New York$85,974
United States$80,734
See the full table
Peekskill next to Westchester County and New York
Measure
Peekskill
Westchester County
New York
U.S.
Typical home value
$395,600 ▼40% below the county
$663,200
$423,800
$332,700
Typical monthly rent
$2,036 ▲4% above the county
$1,951
$1,621
$1,413
Typical yearly household income
$85,954 ▼28% below the county
$118,976
$85,974
$80,734
Households that own their home
59% ▼2 points below the county
62%
54%
65%
Typical yearly property tax
$7,842 ▼22% below the county
$10,001
$6,582
$3,119
Effective property tax rate
1.98% ▲0.47 points above the county
1.51%
1.55%
0.94%
Renters with high rent for their income
59% ▲5 points above the county
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 Peekskill
For a typical $395,600 home in Peekskill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Peekskill's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,624a month
Least cash to close
Down payment
$13,846
Cash to close
$25,714
Rate
7.18%
Mortgage insurance
FHA MIP · $175
Conventional, 5% down$3,551a month
Down payment
$19,780
Cash to close
$31,648
Rate
7.18%
Mortgage insurance
PMI · $188
Conventional, 20% down, no PMI$2,962a month
Down payment
$79,120
Cash to close
$90,988
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,327a month
Down payment
$59,340
Cash to close
$71,208
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Peekskill
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,624
$13,846
$388,435
7.18%
FHA MIP · $175
$25,714
580
Conventional, 5% down
$3,551
$19,780
$375,820
7.18%
PMI · $188
$31,648
620*
Conventional, 20% down, no PMI
$2,962
$79,120
$316,480
7.18%
None
$90,988
620*
ITIN, 15% down (example)
$3,327
$59,340
$336,260
8.18%
None
$71,208
Set by the lender
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.
Typical rent in Peekskill is $2,036 a month: 4% above the county. In Peekskill, 59% 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 lists 10 buildings with rents for lower incomes in Peekskill. These are the largest.
Peekskill Plaza903 Main St, Peekskill 10566168 low-income homes · Studio: 1 · 1 bd: 166 · 2 bd: 1 · In service since 2006 · For older adults
Bohlmann Tower/Dunbar HGT807 Main St, Peekskill 10566144 low-income homes · Run by Peekskill Housing Authority · Average payment: $722 a month · Average wait: 38 months(914) 739-1700
Bohlmann Tower/Dunbar HGTPeekskill 10566129 low-income homes · Run by Peekskill Housing Authority · Average payment: $787 a month · Average wait: 37 months(914) 739-1700
Barham House Apts951 Main St, Peekskill 10566100 homes, 99 low-income · Studio: 25 · 1 bd: 74 · 2 bd: 1 · In service since 2010 · For older adults(914) 723-1200
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.
No down payment, repair or rent-help program on our list is for Peekskill or Westchester County. The ones below are statewide in New York: they work in Peekskill the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Peekskill or Westchester County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Peekskill 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 Peekskill?
The typical home value in Peekskill is $395,600, 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 Peekskill?
Typical rent in Peekskill is $2,036 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 Peekskill?
Peekskill 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 Peekskill?
The typical homeowner in Peekskill pays $7,842 a year, according to the U.S. Census Bureau. That is 1.98% of the home’s value; in Westchester County, the rate is 1.51%.
Where can I find free help to buy or rent in Peekskill?
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.
