Westchester County, New York has a 2026 one-unit conforming loan limit of $1,209,750, which is 1.8 times the county's median home value of $663,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $118,976 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $1,209,750 |
| 2-unit limit | $1,548,975 |
| 3-unit limit | $1,872,225 |
| 4-unit limit | $2,326,875 |
| Median home value (ACS 2020–24) | $663,200 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 1.82× |
| Median household income | $118,976 |
| Median home value ÷ income | 5.6× |
| Population | 999,677 |
| Median property tax paid (owners) | $10,001 |
| Effective property tax rate (approx.) | 1.51% |
| Owner-occupied homes | 61.8% |
| Home value rank in New York | 6 of 62 counties |
| Neighbor: Western Connecticut Planning Region, CT | limit $977,500; median home $652,900 |
| Neighbor: Bergen County, NJ | limit $1,209,750; median home $623,000 |
| Neighbor: Bronx County, NY | limit $1,209,750; median home $529,500 |
| Neighbor: Nassau County, NY | limit $1,209,750; median home $684,700 |
| Neighbor: Putnam County, NY | limit $1,209,750; median home $471,300 |
| Neighbor: Rockland County, NY | limit $1,209,750; median home $596,900 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Westchester County's median home value is 56% above the state median of $423,800 (rank 6 of 62). Among its 6 neighboring counties, Nassau County has the highest median home value ($684,700) and Putnam County the lowest ($471,300); 1 neighbor(s) have a different loan limit. Owners pay a median $10,001 a year in property tax, an effective rate of about 1.51% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: Yates County, NY
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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