Where Are Westchester County's Most Expensive Housing Markets?

Several Westchester Communities Had No Homes Listed Below $1 Million as of July 10, 2026

Westchester County has long been known for its beautiful homes, highly regarded communities, convenient access to New York City, and exceptional quality of life. However, current housing inventory shows just how expensive some areas of Westchester have become—and how few opportunities remain for buyers searching below the $1 million mark.

Based on available residential listings reviewed on July 10, 2026, several of Westchester County’s most desirable markets did not have a single home available for less than $1 million.

Those areas included:

Harrison, Larchmont, Rye, Rye Brook, Millwood, Pelham Manor, and homes located within the Bronxville school district.

This does not necessarily mean every home in these communities is worth more than $1 million. It reflects the homes that were actively available for purchase at that particular point in time. Still, it provides an important look at current supply, buyer demand, and the continuing strength of Westchester County’s luxury real estate market.

Westchester Communities With No Homes Listed Below $1 Million

Harrison, New York

Harrison continues to be one of Westchester County’s premier residential communities. Its convenient Metro-North access, proximity to major highways, spacious properties, and variety of luxury homes make it especially attractive to buyers looking for more room while remaining within commuting distance of Manhattan.

As of July 10, there were no available homes in the Harrison market priced below $1 million. That limited entry-level inventory may be encouraging news for Harrison homeowners who are considering selling.

A shortage of lower-priced homes does not automatically determine what an individual property will sell for. Condition, location, lot size, updates, presentation, and pricing strategy remain extremely important. However, when buyers have few alternatives, a well-prepared and properly priced home can attract significant attention.

Larchmont, New York

Larchmont remains one of the most sought-after communities in southern Westchester. Buyers are drawn to its waterfront setting, village atmosphere, Metro-North station, local restaurants, shopping, parks, and convenient location.

On July 10, there were no homes available in Larchmont below $1 million. This illustrates the increasingly high cost of entering the Larchmont real estate market and the limited number of choices available to buyers at lower price points.

For Larchmont homeowners, this can create a favorable selling environment, particularly for homes that have been carefully prepared before entering the market. Even in a community with strong demand, today’s buyers pay close attention to condition, value, and presentation.

Rye, New York

Rye has consistently been one of Westchester County’s most prestigious housing markets. Its waterfront lifestyle, downtown shopping and dining, recreational amenities, Metro-North service, and range of impressive properties continue to attract buyers.

As of July 10, Rye also had no homes listed below $1 million. Buyers hoping to purchase in Rye may therefore need to increase their budgets, consider a condominium or cooperative when available, or wait for new inventory to enter the market.

For prospective Rye sellers, limited competition at certain price points may present an opportunity. The strongest results, however, still come from combining accurate pricing with thoughtful preparation, professional photography, effective online marketing, and skilled negotiation.

The Bronxville School District

Bronxville is well known for its picturesque village center, historic architecture, convenient train service, and distinctive residential character. Homes located within the Bronxville school district remain especially desirable and frequently command premium prices.

According to the July 10 inventory snapshot, there were no homes available within the Bronxville school district below $1 million.

It is important for buyers to understand the difference between a property with a Bronxville mailing address and a home located within the Bronxville school district. Homes sharing the same postal address may belong to different municipalities or school districts, which can significantly affect pricing, taxes, services, and buyer demand.

Rye Brook, New York

Rye Brook is known for its master-planned neighborhoods, top-rated schools, extensive parks and recreation facilities, and easy access to both the Hutchinson River Parkway and I-287. The community consistently attracts buyers seeking a suburban lifestyle with strong amenities.

As of July 10, Rye Brook had only two active single-family listings, and both were priced above $1.6 million. This means there were effectively no homes available below $1 million in Rye Brook at that time.

For Rye Brook homeowners, this scarcity can support strong pricing, especially for well-maintained homes. Buyers hoping to enter this market below $1 million will likely need to expand their search to nearby communities or wait for additional inventory to come online.

Millwood, New York

Millwood, a hamlet within the Town of New Castle, offers a quiet residential setting, proximity to the Taconic State Parkway, and access to highly regarded area schools.

On July 10, Millwood had just one active single-family listing, priced at $1,050,000—just above the $1 million mark. This left no homes available below $1 million in Millwood at that time.

This near-total absence of sub-$1 million inventory reflects Millwood’s appeal and limited housing stock. Sellers in this market may find favorable conditions, while buyers seeking homes below $1 million may need to consider neighboring hamlets.

Pelham Manor, New York

Pelham Manor is a sought-after village known for its walkable downtown, historic housing stock, tree-lined streets, and convenient Metro-North access into Manhattan.

As of July 10, Pelham Manor had no active single-family listings at all—at any price point—reflecting extremely limited turnover in this compact community.

This lack of available inventory underscores how tightly held homes are in Pelham Manor. When homes do come to market, they are likely to draw significant buyer interest.

Communities With Only One Home Available Below $1 Million

Several other desirable Westchester communities came very close to joining the million-dollar-only category. As of July 10, the following markets reportedly had just one available home priced below $1 million:

Pelham, Purchase, Briarcliff Manor, Armonk, the Bedford area, Baldwin Place, Fleetwood, Goldens Bridge, Granite Springs, Jefferson Valley, Lake Peekskill, Lincolndale, North Salem, Shrub Oak, Sleepy Hollow, Verplanck, West Harrison, and Yorktown.

A single listing does not provide buyers with much selection. That home may not meet a buyer’s needs regarding location, condition, size, property taxes, number of bedrooms, or style. As a result, buyers searching in these areas below $1 million may face considerable competition whenever an appealing property becomes available.

Other Westchester Communities With Homes Available Below $1 Million

While the communities above had little to no inventory below $1 million, many other Westchester towns and hamlets still offered a range of options for buyers at this price point as of July 10, 2026.

The number of available listings and starting prices varied widely by community, reflecting the diversity of Westchester’s housing market:

Ardsley — 2 homes available, starting at $759,000
Buchanan — 8 homes available, starting at $409,999
Chappaqua — 4 homes available, starting at $790,000
Cortlandt Manor — 25 homes available, starting at $599,900
Croton-on-Hudson — 10 homes available, starting at $515,000
Dobbs Ferry — 4 homes available, starting at $895,000
Eastchester — 5 homes available, starting at $729,999
Elmsford — 3 homes available, starting at $475,000
Hartsdale — 9 homes available, starting at $762,000
Hastings-on-Hudson — 3 homes available, starting at $749,000
Hawthorne — 5 homes available, starting at $630,000
Irvington — 5 homes available, starting at $725,000
Katonah — 6 homes available, starting at $799,000
Mamaroneck — 2 homes available, starting at $699,900
Mohegan Lake — 8 homes available, starting at $449,900
Montrose — 4 homes available, starting at $609,900
Mount Kisco — 6 homes available, starting at $600,000
Mount Vernon — 32 homes available, starting at $320,000
New Rochelle — 25 homes available, starting at $180,000
Ossining — 16 homes available, starting at $200,000
Peekskill — 16 homes available, starting at $395,999
Pleasantville — 3 homes available, starting at $850,000
Port Chester — 5 homes available, starting at $699,000
Pound Ridge — 2 homes available, starting at $915,000
Scarsdale — 5 homes available, starting at $859,000
Somers — 8 homes available, starting at $344,900
South Salem — 10 homes available, starting at $295,000
Tarrytown — 2 homes available, starting at $549,999
Thornwood — 5 homes available, starting at $675,000
Tuckahoe — 2 homes available, starting at $779,000
Valhalla — 3 homes available, starting at $815,000
White Plains — 38 homes available, starting at $399,000
Yonkers — 67 homes available, starting at $489,000
Yorktown Heights — 38 homes available, starting at $229,700

These figures reflect active single-family listings only and can change daily as new homes enter or leave the market. Buyers and sellers in these communities are encouraged to request an up-to-date market analysis for the most accurate picture.

What Does This Mean for Westchester County Home Sellers?

For homeowners in these communities, limited inventory can be an important advantage—but it should not be mistaken for a guarantee.

Today’s buyers have access to extensive listing information, recent sales, property history, tax records, photographs, floor plans, and neighborhood data. Even in a market with very little inventory, buyers will recognize when a property is overpriced.

Sellers should focus on the factors they can control:

Preparing and decluttering the home before photography
Completing practical repairs and cosmetic improvements
Presenting each room clearly and attractively
Pricing according to current market conditions
Launching with professional photography and strong digital marketing
Creating maximum exposure during the critical first days on the market

When a desirable home is properly prepared and priced, limited competition can lead to strong showing activity and, in some cases, multiple offers.

What Does This Mean for Westchester Homebuyers?

Buyers searching below $1 million in Westchester County should be prepared before the right home becomes available.

That means having financing in place, understanding property taxes and monthly expenses, monitoring new and coming-soon listings, and being ready to schedule a showing quickly. Buyers may also benefit from expanding their search to nearby communities where their budget provides more options.

Flexibility can make an important difference. A buyer who is open to several towns, different home styles, or a property requiring manageable improvements may have a better chance of securing a home.

Is Westchester County Becoming a Million-Dollar Housing Market?

Westchester County is not a single real estate market. Pricing and inventory can vary significantly between towns, villages, school districts, property types, and even individual neighborhoods.

There are still communities throughout Westchester where homes are available below $1 million. However, the July 10 inventory shows that the million-dollar threshold has become a meaningful dividing line in several of the county’s most competitive areas.

The lack of homes below $1 million in Harrison, Larchmont, Rye, and the Bronxville school district—and the presence of only one such listing in several other desirable communities—demonstrates how limited housing choices have become for many Westchester buyers.

Thinking About Selling a Home in Westchester County?

If you own a home in Harrison, Larchmont, Rye, Bronxville, Pelham, Purchase, Briarcliff Manor, Armonk, Bedford, or another Westchester community, this may be an excellent time to evaluate your property’s current market position.

Online estimates cannot fully account for your home’s condition, improvements, location, layout, property, school district, or direct competition. A detailed, property-specific market analysis can provide a much more accurate understanding of what buyers may be willing to pay.

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