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City · 7,305 residents · Westchester County, New York

Pelham , New York

In Pelham, a typical home is worth $915,800 and typical rent is $2,299 a month. Compared with all of Westchester County, typical household income is 55% higher, the typical home value is 38% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $915,800

    38% above the county

    116% above New York

    • Pelham
    • Westchester
    • New York

  • Typical rent

    $2,299a month

    18% above the county

    42% above New York

    • Pelham
    • Westchester
    • New York

  • Typical household income

    $184,375a year

    55% above the county

    114% above New York

    • Pelham
    • Westchester
    • New York

  • Households that own their home

    67%

    5 points above the county

    13 points above New York

    • Pelham
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$1,447,000
12.9% more than 12 months ago

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

Pelham 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 apart

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

  1. The typical household income in Pelham is $184,375, 55% more than in Westchester County as a whole ($118,976).

  2. Nearby, in Mount Vernon, the typical home value is $484,000: 47% less than in Pelham ($915,800).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Pelham rose 12.9%; in New York, it rose 5.6%.

  4. The typical home in Pelham is worth $915,800, 38% more than in Westchester County as a whole ($663,200).

  5. Nearby, in Mount Vernon, the typical rent is $1,629: 29% less than in Pelham ($2,299).

  6. The typical rent in Pelham is $2,299 a month, 18% more than in Westchester County as a whole ($1,951).

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

The homes here

Housing in Pelham

What homes there are in Pelham, 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, 5 in 10 homes are single-family detached houses; in Westchester County, 4.

Year built

In Pelham, at least half of the homes were built before 1940, and 79% date from before 1960.

There is more room for a big family here: 66% of homes 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
Monthly rent with utilities

Owners with a mortgage

70%

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

From 2015–2019 to 2020–2024, the typical home value in Pelham rose 32%; in Westchester County, it rose 23%.

Much as in Westchester County, the typical rent in Pelham rose 27% since 2015–2019.

Income in Pelham grew faster than housing: it rose 38%, while home values changed +32% and rent +27%.

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

MeasurePelhamWestchester 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 3.182.612.492.53
Drive alone 42%50%49%69%
Carpool Unreliable estimate7%6%9%
Public transit 23%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 25%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Pelham has 3.18 people, more than in Westchester County (2.61).

Working from home is more common in Pelham: 25%, against 19% in Westchester County.

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?

A typical home costs more than the typical income allows

We start with a typical home in Pelham, worth $915,800, 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 Pelham, which is $184,375 a year. For that payment to be 28% of income, a household would need to earn about $336,744 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. 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 $32,053 (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

$7,857

at 7.18% · 30 years

Loan amount
$899,213
Total interest
$1,293,756
Paid off in
November 2056

Includes $15,466 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,302 a month

  • Tight

    $4,302 to $5,531 a month

  • Hard

    more than $5,531 a month

    Your payment · 51%

Compared with the typical household income in Pelham ($184,375 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,857
Principal & interest$6,092
Property tax$832
Home insurance$382
FHA mortgage insurance (MIP)$552

You need at least $32,053 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 and Westchester County

Pelham 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's own numbers

Typical home value
$915,800
Typical monthly rent
$2,299
Typical yearly household income
$184,375
Households that own their home
67%
Effective property tax rate
1.09%

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

A typical home in Pelham is worth $915,800: 38% above the county and 116% above New York. With the typical household income in Pelham ($184,375 a year), a typical home costs 5.0 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.

  • Pelham 5.0 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

Pelham 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 $915,800
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Pelham $2,299
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Pelham $184,375
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Pelham next to Westchester County and New York
Measure Pelham Westchester County New York U.S.
Typical home value $915,800 $663,200 $423,800 $332,700
Typical monthly rent $2,299 $1,951 $1,621 $1,413
Typical yearly household income $184,375 $118,976 $85,974 $80,734
Households that own their home 67% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.09% 1.51% 1.55% 0.94%
Renters with high rent for their income 47% 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 Pelham

For a typical $915,800 home in Pelham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pelham's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,857a month

    Least cash to close
    Down payment
    $32,053
    Cash to close
    $59,527
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $552

  • Conventional, 5% down $7,542a month

    Down payment
    $45,790
    Cash to close
    $73,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $435

  • Conventional, 20% down, no PMI $6,177a month

    Down payment
    $183,160
    Cash to close
    $210,634
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,023a month

    Down payment
    $137,370
    Cash to close
    $164,844
    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 and for Westchester County.

Property tax

Effective rate in Pelham

1.09%of the home’s value each year

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

  • Pelham 1.09%
  • 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

Typical rent in Pelham is $2,299 a month: 18% above the county. In Pelham, 47% 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 Pelham

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

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Pelham

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

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

Housing counselors near Pelham

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

  • Westchester Residential Opportunities, Incorporated

    470 Mamaroneck Ave Ste 410, White Plains · 8 miles away · Spanish

    Also serves in French, Italian, and other languages.

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

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Pelham

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

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

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Pelham

Short answers with the numbers for Pelham 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?

The typical home value in Pelham is $915,800, 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 Pelham?

Typical rent in Pelham is $2,299 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 Pelham?

Pelham 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?

The typical homeowner in Pelham pays $10,001 a year, according to the U.S. Census Bureau. That is 1.09% 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?

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).