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City · 209,978 residents · Westchester County, New York

Yonkers , New York

In Yonkers, a typical home is worth $501,600 and typical rent is $1,784 a month. Compared with all of Westchester County, typical household income is 30% lower, the typical home value is 24% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $501,600

    24% below the county

    18% above New York

    • Yonkers
    • Westchester
    • New York

  • Typical rent

    $1,784a month

    9% below the county

    10% above New York

    • Yonkers
    • Westchester
    • New York

  • Typical household income

    $83,549a year

    30% below the county

    3% below New York

    • Yonkers
    • Westchester
    • New York

  • Households that own their home

    46%

    16 points below the county

    8 points below New York

    • Yonkers
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$701,827
7.3% more than 12 months ago
Typical rent
$2,765 a month
7.7% more than 12 months ago

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

Yonkers 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 Yonkers apart

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

  1. 46% of households in Yonkers own their home, against 62% in Westchester County.

  2. The typical household income in Yonkers is $83,549, 30% less than in Westchester County as a whole ($118,976).

  3. The typical home in Yonkers is worth $501,600, 24% less than in Westchester County as a whole ($663,200).

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

The homes here

Housing in Yonkers

What homes there are in Yonkers, 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 Yonkers than in Westchester County: 51% of homes, against 35%.

Year built

In Yonkers, half of the homes were built before 1958; in Westchester County, before 1959.

Homes in Yonkers are smaller: 37% have 3 bedrooms or more; 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

The FHA limit for Westchester County is high ($1,249,125): at least 95% of owner-occupied homes in Yonkers are worth less than $1,000,000.

Monthly rent with utilities

About 91% of rented homes in Yonkers cost less than HUD's 2-bedroom fair market rent for Westchester County ($2,971).

With a mortgage

$3,028 a month

Westchester County: $4,000 a month

Without a mortgage

$1,356 a month

Westchester County: $1,500 or more a month

Owners with a mortgage

58%

Westchester County: 61%

Owning costs less in Yonkers: with a mortgage, the typical cost is $3,028 a month; in Westchester County, $4,000. Without one, $1,356.

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, home values in Yonkers rose at about the same pace as in Westchester County: 24% against 23%.

Rents in Yonkers rose at about the same pace as in Westchester County: 29% since 2015–2019, against 27%.

To compare: typical income in Yonkers rose 31%; the home, +24%; the rent, +29%.

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

MeasureYonkersWestchester CountyNew YorkUnited States
Rental vacancy 2.3%2.5%3.8%5.5%
Homeowner vacancy 1.1%0.8%1.1%0.9%
More than one person per room 9.3%5.0%5.3%3.4%
People per household 2.532.612.492.53
Drive alone 49%50%49%69%
Carpool 9%7%6%9%
Public transit 23%17%22%3%
Walk or bike 4%4%6%3%
Work from home 12%19%15%15%
Other means 2%2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Yonkers look like those in Westchester County: the rental vacancy rate is 2.3%.

More households are short on space in Yonkers: 9.3% have more than one person per room; in Westchester County, 5.0%.

Much as in Westchester County, a household in Yonkers has 2.53 people on average.

More people ride a bus or train to work in Yonkers than in Westchester County: 23% against 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 Yonkers?

A typical home costs more than the typical income allows

We start with a typical home in Yonkers, worth $501,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in Yonkers, which is $83,549 a year. For that payment to be 28% of income, a household would need to earn about $196,031 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 Yonkers. 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 $17,556 (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

$4,574

at 7.18% · 30 years

Loan amount
$492,515
Total interest
$708,613
Paid off in
November 2056

Includes $8,471 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,949 a month

  • Tight

    $1,949 to $2,506 a month

  • Hard

    more than $2,506 a month

    Your payment · 66%

Compared with the typical household income in Yonkers ($83,549 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,574
Principal & interest$3,336
Property tax$807
Home insurance$209
FHA mortgage insurance (MIP)$222

You need at least $17,556 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

Yonkers and Westchester County

Yonkers 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).

Yonkers's own numbers

Typical home value
$501,600
Typical monthly rent
$1,784
Typical yearly household income
$83,549
Households that own their home
46%
Effective property tax rate
1.93%

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 Yonkers

A typical home in Yonkers is worth $501,600: 24% below the county and 18% above New York. With the typical household income in Yonkers ($83,549 a year), a typical home costs 6.0 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.

  • Yonkers 6.0 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

Yonkers 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
  • Yonkers $501,600
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Yonkers $1,784
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Yonkers $83,549
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Yonkers next to Westchester County and New York
Measure Yonkers Westchester County New York U.S.
Typical home value $501,600 $663,200 $423,800 $332,700
Typical monthly rent $1,784 $1,951 $1,621 $1,413
Typical yearly household income $83,549 $118,976 $85,974 $80,734
Households that own their home 46% 62% 54% 65%
Typical yearly property tax $9,676 $10,001 $6,582 $3,119
Effective property tax rate 1.93% 1.51% 1.55% 0.94%
Renters with high rent for their income 55% 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 Yonkers

For a typical $501,600 home in Yonkers, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yonkers's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,574a month

    Least cash to close
    Down payment
    $17,556
    Cash to close
    $32,604
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $222

  • Conventional, 5% down $4,482a month

    Down payment
    $25,080
    Cash to close
    $40,128
    Rate
    7.18%
    Mortgage insurance
    PMI · $238

  • Conventional, 20% down, no PMI $3,734a month

    Down payment
    $100,320
    Cash to close
    $115,368
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,198a month

    Down payment
    $75,240
    Cash to close
    $90,288
    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 Yonkers and for Westchester County.

Property tax

Effective rate in Yonkers

1.93%of the home’s value each year

$9,676 a year for the typical owner in Yonkers.

  • Yonkers 1.93%
  • 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 Yonkers

Typical rent in Yonkers is $1,784 a month: 9% below the county. In Yonkers, 55% 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 Yonkers

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yonkers has 6 ZIP codes with their own.

For 2 bedrooms it runs from $2,760 in 10703 to $3,480 in 10707.

2 of the 6 are above the fair market rent for Westchester County ($2,971).

  • 10701 $3,120$3,950
  • 10703 $2,760$3,490
  • 10704 $2,930$3,710
  • 10705 $2,920$3,700
  • 10707 $3,480$4,400
  • 10710 $2,880$3,640

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

HUD lists 57 buildings with rents for lower incomes in Yonkers. These are the largest.

  • Schlobohm Walsh and Flynn Apts 334 Riverdale Ave, Yonkers 10705 853 homes, 842 low-income · In service since 2019
  • Riverview I 85 Riverdale Ave, Yonkers 10701 454 homes, 369 low-income · For families
  • Riverview II 47 Riverdale Ave, Yonkers 10701 343 low-income homes · 1 bd: 131 · 2 bd: 192 · 3 bd: 15 · 4 bd: 5 · In service since 2008 · For families
  • Cromwell Towers 77 Locust Hill Ave, Yonkers 10701 317 homes, 316 low-income · 1 bd: 46 · 2 bd: 198 · 3 bd: 73 · In service since 2011 · For families
  • Parkledge Apts 220 Yonkers Ave, Yonkers 10701 311 homes, 296 low-income · 1 bd: 57 · 2 bd: 172 · 3 bd: 56 · 4 bd: 26 · In service since 2004 · For families

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

Free help

Help to buy or rent in Yonkers

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 leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Yonkers

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

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

Housing counselors near Yonkers

The HUD-approved agencies closest to the center of Yonkers, 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 · 5 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 · 8 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 Yonkers

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 Yonkers

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

  • The Municipal Hsng Authority City Yonkers Public housing and Section 8 vouchers (914) 793-8400

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 Yonkers, 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 Yonkers.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Yonkers

Short answers with the numbers for Yonkers 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 Yonkers?

The typical home value in Yonkers is $501,600, 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 Yonkers?

Typical rent in Yonkers is $1,784 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 Yonkers?

Yonkers 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 Yonkers?

The typical homeowner in Yonkers pays $9,676 a year, according to the U.S. Census Bureau. That is 1.93% of the home’s value; in Westchester County, the rate is 1.51%.

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

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).