Español

Este sitio también está en español. Leer en español

City · 5,644 residents · Westchester County, New York

Pelham Manor , New York

In Pelham Manor, a typical home is worth $1,093,300. Compared with all of Westchester County, typical household income is 110% higher, the typical home value is 65% higher, and the share of households that own their home is 30 points higher.

WhatsApp

  • Typical home value

    $1,093,300

    65% above the county

    158% above New York

    • Pelham Manor
    • Westchester
    • New York

  • Typical household income

    $250,001a year

    110% above the county

    191% above New York

    • Pelham Manor
    • Westchester
    • New York

  • Households that own their home

    92%

    30 points above the county

    38 points above New York

    • Pelham Manor
    • Westchester
    • New York

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

Pelham Manor 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 Pelham Manor apart

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

  1. Pelham Manor has the highest typical household income of the 350 cities in New York with more than 5,000 people: $250,001.

  2. 92% of households in Pelham Manor own their home, against 62% in Westchester County.

  3. The typical home in Pelham Manor is worth $1,093,300, 65% more than in Westchester County as a whole ($663,200).

  4. Nearby, in Mount Vernon, the typical home value is $484,000: 56% less than in Pelham Manor ($1,093,300).

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

The homes here

Housing in Pelham Manor

What homes there are in Pelham Manor, 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 Pelham Manor, 7 in 10 homes are single-family detached houses; in Westchester County, 4.

Year built

Old homes abound here: at least half date from before 1940, and 86% were built before 1960.

In Pelham Manor, 71% of homes have 3 bedrooms or more, more than 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

The typical home value in Pelham Manor rose 22% since 2015–2019, about the same as in Westchester County (23%).

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

MeasurePelham ManorWestchester 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 2.842.612.492.53
Drive alone 40%50%49%69%
Carpool Unreliable estimate7%6%9%
Public transit 30%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 24%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.84 on average, against 2.61 in Westchester County.

In Pelham Manor, 30% 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 Pelham Manor?

A typical home costs more than the typical income allows

We start with a typical home in Pelham Manor, worth $1,093,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Pelham Manor, which is $250,001 a year. For that payment to be 28% of income, a household would need to earn about $394,983 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 Pelham Manor. 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 $38,266 (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

$9,216

at 7.18% · 30 years

Loan amount
$1,073,497
Total interest
$1,544,510
Paid off in
November 2056

Includes $18,463 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,833 a month

  • Tight

    $5,833 to $7,500 a month

  • Hard

    more than $7,500 a month

    Your payment · 44%

Compared with the typical household income in Pelham Manor ($250,001 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$9,216
Principal & interest$7,272
Property tax$829
Home insurance$456
FHA mortgage insurance (MIP)$659

You need at least $38,266 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

Pelham Manor and Westchester County

Pelham Manor 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).

Pelham Manor's own numbers

Typical home value
$1,093,300
Typical yearly household income
$250,001
Households that own their home
92%
Effective property tax rate
0.91%

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 Pelham Manor

A typical home in Pelham Manor is worth $1,093,300: 65% above the county and 158% above New York. With the typical household income in Pelham Manor ($250,001 a year), a typical home costs 4.4 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.

  • Pelham Manor 4.4 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

Pelham Manor 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
  • Pelham Manor $1,093,300
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical yearly household income
  • Pelham Manor $250,001
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Pelham Manor next to Westchester County and New York
Measure Pelham Manor Westchester County New York U.S.
Typical home value $1,093,300 $663,200 $423,800 $332,700
Typical yearly household income $250,001 $118,976 $85,974 $80,734
Households that own their home 92% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 0.91% 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 Pelham Manor

For a typical $1,093,300 home in Pelham Manor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pelham Manor's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $9,216a month

    Least cash to close
    Down payment
    $38,266
    Cash to close
    $71,065
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $659

  • Conventional, 5% down $8,840a month

    Down payment
    $54,665
    Cash to close
    $87,464
    Rate
    7.18%
    Mortgage insurance
    PMI · $519

  • Conventional, 20% down, no PMI $7,210a month

    Down payment
    $218,660
    Cash to close
    $251,459
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $8,221a month

    Down payment
    $163,995
    Cash to close
    $196,794
    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 Pelham Manor and for Westchester County.

Property tax

Effective rate in Pelham Manor

0.91%of the home’s value each year

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

  • Pelham Manor 0.91%
  • 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 Pelham Manor

The Census Bureau publishes no typical rent for Pelham Manor. Below are the fair market rents for Westchester 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 Pelham Manor

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pelham Manor is in ZIP code 10803.

For 2 bedrooms it is $3,540: $569 more than the fair market rent for Westchester County ($2,971).

  • 10803 $3,540$4,480

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

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 Pelham Manor

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

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

Housing counselors near Pelham Manor

The HUD-approved agencies closest to the center of Pelham Manor, 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 · 4 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 Pelham Manor

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 Pelham Manor

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

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

Questions

Housing questions about Pelham Manor

Short answers with the numbers for Pelham Manor 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 Pelham Manor?

The typical home value in Pelham Manor is $1,093,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Westchester County it is $663,200.

What is the FHA loan limit in Pelham Manor?

Pelham Manor 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 Pelham Manor?

The typical homeowner in Pelham Manor pays $10,001 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).