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City · 16,428 residents · Westchester County, New York

Rye , New York

In Rye, a typical home is worth $1,819,900 and typical rent is $3,501 a month. Compared with all of Westchester County, the typical home value is 174% higher, typical household income is 102% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $1,819,900

    174% above the county

    329% above New York

    • Rye
    • Westchester
    • New York

  • Typical rent

    $3,501a month

    79% above the county

    116% above New York

    • Rye
    • Westchester
    • New York

  • Typical household income

    $239,815a year

    102% above the county

    179% above New York

    • Rye
    • Westchester
    • New York

  • Households that own their home

    70%

    9 points above the county

    16 points above New York

    • Rye
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$6,117 a month

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

Rye 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 Rye apart

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

  1. Rye has the highest typical rent of the 333 cities in New York with more than 5,000 people: $3,501.

  2. Rye has the 2nd highest typical home value of the 348 cities in New York with more than 5,000 people ($1,819,900).

  3. The typical household income in Rye is $239,815, 102% more than in Westchester County as a whole ($118,976).

  4. Nearby, in Port Chester, the typical home value is $582,600: 68% less than in Rye ($1,819,900).

  5. Nearby, in New Rochelle, the typical rent is $1,917: 45% less than in Rye ($3,501).

  6. 70% of households in Rye own their home, against 62% in Westchester County.

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

The homes here

Housing in Rye

What homes there are in Rye, 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 houses, standing on their own, make up 63% of homes here, against 43% in Westchester County.

Year built

In Rye, half of the homes were built before 1957; in Westchester County, before 1959.

There is more room for a big family here: 69% 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

65%

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

Since 2015–2019, homes in Rye gained value faster than in Westchester County: 31% against 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

MeasureRyeWestchester 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 2.852.612.492.53
Drive alone 39%50%49%69%
Carpool Unreliable estimate7%6%9%
Public transit 29%17%22%3%
Walk or bike 3%4%6%3%
Work from home 27%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Rye are bigger: 2.85 people on average; in Westchester County, 2.61.

Public transit matters here: 29% of workers take it to work, against 17% 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 Rye?

A typical home costs more than the typical income allows

We start with a typical home in Rye, worth $1,819,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 74% of the typical household income in Rye, which is $239,815 a year. For that payment to be 28% of income, a household would need to earn about $634,087 a year. Note: at that price the loan is above the FHA limit for Westchester County ($1,249,125), so FHA would not insure it; the payment is only a reference.

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 Rye. 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 $63,697 (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

$14,795

at 7.18% · 30 years

Loan amount
$1,786,937
Total interest
$2,570,982
Paid off in
November 2056

Includes $30,734 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,596 a month

  • Tight

    $5,596 to $7,194 a month

  • Hard

    more than $7,194 a month

    Your payment · 74%

Compared with the typical household income in Rye ($239,815 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$14,795
Principal & interest$12,105
Property tax$834
Home insurance$758
FHA mortgage insurance (MIP)$1,098

This loan is over the FHA limit

You'd borrow $1,756,203, but the FHA limit for a one-unit home in Rye is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $63,697 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

Rye and Westchester County

Rye 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).

Rye's own numbers

Typical home value
$1,819,900
Typical monthly rent
$3,501
Typical yearly household income
$239,815
Households that own their home
70%
Effective property tax rate
0.55%

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 Rye

A typical home in Rye is worth $1,819,900: 174% above the county and 329% above New York. With the typical household income in Rye ($239,815 a year), a typical home costs 7.6 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.

  • Rye 7.6 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

Rye 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
  • Rye $1,819,900
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Rye $3,501
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Rye $239,815
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Rye next to Westchester County and New York
Measure Rye Westchester County New York U.S.
Typical home value $1,819,900 $663,200 $423,800 $332,700
Typical monthly rent $3,501 $1,951 $1,621 $1,413
Typical yearly household income $239,815 $118,976 $85,974 $80,734
Households that own their home 70% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 0.55% 1.51% 1.55% 0.94%
Renters with high rent for their income 51% 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 Rye

For a typical $1,819,900 home in Rye, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rye's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $14,795a month

    Above the FHA limit for Westchester County ($1,249,125)
    Down payment
    $63,697
    Cash to close
    $118,294
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $1,098

  • Conventional, 5% down $14,169a month

    Above the conventional limit for Westchester County ($1,209,750): it would be a "jumbo" loan
    Down payment
    $90,995
    Cash to close
    $145,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $864

  • Conventional, 20% down, no PMI $11,455a month

    Above the conventional limit for Westchester County ($1,209,750): it would be a "jumbo" loan
    Down payment
    $363,980
    Cash to close
    $418,577
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $13,138a month

    Down payment
    $272,985
    Cash to close
    $327,582
    Rate
    8.18%
    Mortgage insurance
    None
  • 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 Rye and for Westchester County.

Property tax

Effective rate in Rye

0.55%of the home’s value each year

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

  • Rye 0.55%
  • 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 Rye

Typical rent in Rye is $3,501 a month: 79% above the county. In Rye, 51% 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 Rye

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rye is in ZIP code 10580.

For 2 bedrooms it is $4,390: $1,419 more than the fair market rent for Westchester County ($2,971).

  • 10580 $4,390$5,560

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

HUD lists one building with rents for lower incomes in Rye.

  • Rye Manor 300 Theall Rd, Rye 10580 100 homes, 99 low-income · Studio: 25 · 1 bd: 75 · In service since 2014 · For older adults

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

Free help

Help to buy or rent in Rye

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Rye

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

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

Housing counselors near Rye

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

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 Rye

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

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Rye

Short answers with the numbers for Rye 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 Rye?

The typical home value in Rye is $1,819,900, 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 Rye?

Typical rent in Rye is $3,501 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 Rye?

Rye 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 Rye?

The typical homeowner in Rye pays $10,001 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).