Westchester County, NY

This county of 1,016,528 residents needs 20,559 more housing units over the next five years. Westchester County is a CDBG-entitlement community, see how the ROAD to Housing Act could change that funding. Westchester County is part of the New York Metropolitan Transportation Council.

Housing snapshot

Population
1,016,528 (2026)
Households
376,948
Median household income
$132,182 (2026)
Typical home value
$779,021
Owner-occupied
58%
Five-year housing need
20,559 units

Comparison to other New York counties

Westchester County: $132,182 Median income (2026 estimate)
<$54K >$119K
Westchester County: 1.04 jobs to household ratio
<0.57 >1.21
Westchester County: Permits since 2021 represent 2.5% of housing
<0.8% >4.9%
On this page

How affordable is this community?

The typical home in Westchester County, NY is valued at $779,021, well above the New York average of $245,316. With a median household income of $132,182 in Westchester County, NY, the typical home is far out of reach for most households, requiring roughly $84,570 more in annual income to afford.

This chart tracks whether housing prices are keeping pace with local incomes. The gap between what homes cost and what households can afford reveals affordability trends over time.

How is the population changing?

Westchester County, NY has a population of roughly 999,677 that has been largely stable in recent years.

Population growth patterns reveal how communities are evolving. This chart shows historical population changes by age group and projects future trends based on demographic patterns.

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How has employment changed over time?

Jobs by industry sector since 2012. Switch between local jobs — counted where the jobs are located — and resident jobs, counted where the workers live. On the local view the most recent year is a nowcast: it grows the latest local LODES job mix forward using recent county employment growth from QCEW and the BLS local employment series, so the newest point tracks today's economy instead of data that is roughly two years old.

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How are households changing by income?

Westchester County, NY has roughly 376,948 households and a population that has been largely stable in recent years.

Understanding how households at different income levels are growing or declining helps identify which groups face the greatest housing pressure and where new housing is most needed.

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Who lives here today?

The housing stock in Westchester County, NY is relatively mixed, with detached single-family as the most common type at 43%. Homeownership is the norm in Westchester County, NY, with 58% of units owner-occupied.

Households may have different structure type preferences depending on characteristics such as household size, income, employment, presence of children, age of individuals, and lifestyle choices. Understanding the housing stock in corresponding terms helps assess how well existing units align with existing households' ideals.

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What does the housing stock look like?

The mix of housing types and ownership patterns shapes a community's character. This chart breaks down housing units by structure type and whether they're owner-occupied or rented.

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How much new housing supply is needed?

To keep up with growth and fill current housing shortages, Westchester County, NY needs 20,559 new units over the next 5 years.

3,237
Units needed to keep up with expected growth
Projected total household growth from 2026 to 2031.
0.9%
Projected household growth rate
Expected increase in total households from 376,948 in 2026 to 380,185 in 2031.
17,322
Units to address shortages in existing housing stock
Production needs to address vacancy rates and other factors.
1,928
Replacement housing
Effective annual loss rate is 1.0 per 1,000 units.
1,624
Ownership vacancy adjustment
Owner-occupied vacancy is 0.8%. This is below the minimum stable target of 1.5%.
7,761
Rental vacancy adjustment
Rental vacancy is 2.5%. This is below the minimum stable target of 7.4%.
6,009
Overcrowding adjustment
Overcrowding rate is 5.0%. This is above National avg. of 3.4%.
20,559
Total 5-year housing production need (2026-2031)
4,112
Annual production pace
Average units needed per year to meet 5-year need
5.2%
Total housing unit growth
Percent increase in housing stock over 5 years
1.0%
Annual housing unit growth
Average percent increase in housing stock per year

Build Now Act: how could CDBG funding change?

The Build Now Act (Section 213 of the 21st Century ROAD to Housing Act) ties a CDBG entitlement community's grant to how much housing it is building. This is a CommunityScale estimate from public ACS data, not HUD's official determination — HUD calculates from Census Master Address File block counts.

How do these communities compare to each other?