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City · 60,666 residents · Westchester County, New York

White Plains , New York

In White Plains, a typical home is worth $620,800 and typical rent is $2,269 a month. Compared with all of Westchester County, typical rent is 16% higher, typical household income is 7% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $620,800

    6% below the county

    46% above New York

    • White Plains
    • Westchester
    • New York

  • Typical rent

    $2,269a month

    16% above the county

    40% above New York

    • White Plains
    • Westchester
    • New York

  • Typical household income

    $110,763a year

    7% below the county

    29% above New York

    • White Plains
    • Westchester
    • New York

  • Households that own their home

    51%

    11 points below the county

    3 points below New York

    • White Plains
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$801,563
6.5% more than 12 months ago
Typical rent
$3,301 a month
5.6% more than 12 months ago

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

White Plains 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 White Plains apart

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

  1. The typical rent in White Plains is $2,269 a month, 16% more than in Westchester County as a whole ($1,951).

  2. 51% of households in White Plains own their home, against 62% in Westchester County.

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

The homes here

Housing in White Plains

What homes there are in White Plains, 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

There are more apartments in White Plains than in Westchester County: 61% of homes, against 35%.

Year built

In White Plains, half of the homes were built before 1961; in Westchester County, before 1959.

In White Plains, 36% of homes have 1 bedroom or none (studios); 34% 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

At least 84% of owner-occupied homes in White Plains are worth less than $1,000,000, below the FHA loan limit for Westchester County ($1,249,125).

Monthly rent with utilities

By rent, most homes in White Plains cost less than HUD's 2-bedroom fair market rent ($2,971): about 72%.

With a mortgage

$3,525 a month

Westchester County: $4,000 a month

Without a mortgage

$1,494 a month

Westchester County: $1,500 or more a month

Owners with a mortgage

58%

Westchester County: 61%

Owning costs less in White Plains: with a mortgage, the typical cost is $3,525 a month; in Westchester County, $4,000. Without one, $1,494.

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 White Plains rose 9% since 2015–2019, less than in Westchester County (23%).

Rents in White Plains rose faster than in Westchester County: 33% since 2015–2019, against 27%.

To compare: typical income in White Plains rose 23%; the home, +9%; the rent, +33%.

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

MeasureWhite PlainsWestchester 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 6.2%5.0%5.3%3.4%
People per household 2.312.612.492.53
Drive alone 49%50%49%69%
Carpool 7%7%6%9%
Public transit 13%17%22%3%
Walk or bike 7%4%6%3%
Work from home 22%19%15%15%
Other means 3%2%2%2%
Typical commute 20 to 29 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in White Plains: 6.2% have more than one person per room; in Westchester County, 5.0%.

Fewer people live in each home here: 2.31 on average, against 2.61 in Westchester County.

More people walk or bike to work in White Plains: 7%, against 4% 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 White Plains?

A typical home costs more than the typical income allows

We start with a typical home in White Plains, worth $620,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in White Plains, which is $110,763 a year. For that payment to be 28% of income, a household would need to earn about $235,521 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 White Plains. 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 $21,728 (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

$5,496

at 7.18% · 30 years

Loan amount
$609,556
Total interest
$877,008
Paid off in
November 2056

Includes $10,484 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,584 a month

  • Tight

    $2,584 to $3,323 a month

  • Hard

    more than $3,323 a month

    Your payment · 60%

Compared with the typical household income in White Plains ($110,763 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,496
Principal & interest$4,129
Property tax$833
Home insurance$259
FHA mortgage insurance (MIP)$275

You need at least $21,728 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

White Plains and Westchester County

White Plains 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).

White Plains's own numbers

Typical home value
$620,800
Typical monthly rent
$2,269
Typical yearly household income
$110,763
Households that own their home
51%
Effective property tax rate
1.61%

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 White Plains

A typical home in White Plains is worth $620,800: 6% below the county and 46% above New York. With the typical household income in White Plains ($110,763 a year), a typical home costs 5.6 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.

  • White Plains 5.6 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

White Plains 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
  • White Plains $620,800
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • White Plains $2,269
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • White Plains $110,763
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
White Plains next to Westchester County and New York
Measure White Plains Westchester County New York U.S.
Typical home value $620,800 $663,200 $423,800 $332,700
Typical monthly rent $2,269 $1,951 $1,621 $1,413
Typical yearly household income $110,763 $118,976 $85,974 $80,734
Households that own their home 51% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.61% 1.51% 1.55% 0.94%
Renters with high rent for their income 54% 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 White Plains

For a typical $620,800 home in White Plains, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Plains's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,495a month

    Least cash to close
    Down payment
    $21,728
    Cash to close
    $40,352
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $275

  • Conventional, 5% down $5,382a month

    Down payment
    $31,040
    Cash to close
    $49,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $295

  • Conventional, 20% down, no PMI $4,456a month

    Down payment
    $124,160
    Cash to close
    $142,784
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,030a month

    Down payment
    $93,120
    Cash to close
    $111,744
    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 White Plains and for Westchester County.

Property tax

Effective rate in White Plains

1.61%of the home’s value each year

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

  • White Plains 1.61%
  • 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 White Plains

Typical rent in White Plains is $2,269 a month: 16% above the county. In White Plains, 54% 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 White Plains

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Plains has 4 ZIP codes with their own.

For 2 bedrooms it runs from $3,260 in 10604 to $3,900 in 10606.

4 of the 4 are above the fair market rent for Westchester County ($2,971).

  • 10601 $3,430$4,340
  • 10604 $3,260$4,130
  • 10605 $3,590$4,540
  • 10606 $3,900$4,940

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

HUD lists 18 buildings with rents for lower incomes in White Plains. These are the largest.

  • Winbrook Apts 11 Fisher Ct, White Plains 10601 360 low-income homes · Run by White Plains Housing Authority · Average payment: $946 a month · Average wait: 38 months (914) 949-6462
  • Station Plaza 76 S Lexington Ave, White Plains 10606 196 homes, 195 low-income · For older adults
  • Schuyler ? Dekalb in White Plains,ny 86 Dekalb Ave, White Plains 10605 167 homes, 166 low-income · In service since 2019
  • Winbrook Phase 1 301 Quarropas St, White Plains 10601 103 low-income homes · 1 bd: 34 · 2 bd: 45 · 3 bd: 25 · In service since 2015
  • Franklin Windsor Apts 40 Windsor Ter, White Plains 10601 100 homes, 99 low-income · Studio: 25 · 1 bd: 74 · 2 bd: 1 · In service since 2011 · For older adults

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

Free help

Help to buy or rent in White Plains

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in White Plains

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

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

Housing counselors near White Plains

The HUD-approved agencies closest to the center of White Plains, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Westchester Residential Opportunities, Incorporated

    470 Mamaroneck Ave Ste 410, White Plains · 0 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 · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (914) 683-1010

  • Human Development Services of Westchester, Inc.

    26 N Main St, Port Chester · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (914) 835-8906

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near White Plains

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 White Plains

HUD’s record names them for White Plains or Westchester County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • White Plains Housing Authority Public housing and Section 8 vouchers (914) 949-6462

14 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 White Plains, 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 White Plains.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about White Plains

Short answers with the numbers for White Plains 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 White Plains?

The typical home value in White Plains is $620,800, 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 White Plains?

Typical rent in White Plains is $2,269 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 White Plains?

White Plains 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 White Plains?

The typical homeowner in White Plains pays $10,001 a year, according to the U.S. Census Bureau. That is 1.61% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).