14 Most Affordable Towns in Westchester County, NY 2025

Thinking about moving to the New York suburbs? Looking to buy a home in Westchester County?

While Westchester is known for its upscale neighborhoods, home prices can quickly climb—many towns in lower Westchester have median sales prices exceeding $1 million.

But don’t worry—finding an affordable home in Westchester is still possible, and we’ve done the research for you!

Generally, the Rivertowns and Upper Westchester offer better value, with more reasonably priced homes without sacrificing lifestyle or convenience.

Below, we’ve compiled a list of the most affordable towns in Westchester County, NY.

Check out: Most Affordable Rivertowns in Westchester County

What is the Most Affordable Town in Westchester County?

If you’re looking for a balance between suburban living and proximity to New York City, the five most affordable towns in Westchester offer the best entry points into the county’s housing market.

At the top of the list is Peekskill, with a median home value of $506,895. Known for its vibrant arts scene, river views, and revitalized downtown, it has become a popular choice for first-time buyers. The Metro-North train ride from Peekskill to Grand Central Terminal takes approximately 59 minutes, and the drive is about 1 hour and 11 minutes.

Close behind is Buchanan, where the median home price is $557,150. This small Hudson River village provides a quieter lifestyle while still offering easy access to the amenities of neighboring Peekskill. It’s a long commute to NYC though- the Metro-North train ride from Buchanan to Grand Central Terminal takes approximately 1 hour and 45 minutes, and the drive is about 1 hour and 10 minutes.

Mount Vernon takes the third spot with a median home value of $560,081. Sitting just north of the Bronx, it’s one of the most commuter-friendly towns in Westchester, with a drive to Manhattan often under 30 minutes, and the Metro-North train ride from Mount Vernon East to Grand Central Terminal takes about 19 minutes.

Eastchester follows with a median home price of $601,662. The car commute to Manhattan is just 30–40 minutes. The Metro-North train ride from Crestwood to Grand Central Terminal takes about 30 minutes. It’s also a good choice for those who need to get to the city quickly.

Finally, Ossining rounds out the top five with a median home price of $646,700. Perched along the Hudson River, it blends historic charm, natural scenery, and relative affordability compared to other river towns. The Metro-North train ride from Ossining to Grand Central Terminal takes about 57 minutes, and the drive is approximately 58 minutes.

Check out our interview with a Mount Vernon mom to find out what it’s like to live in Mount Vernon

Most Affordable Westchester County Towns

Below you will find a list of the most affordable places to live in Westchester County. These Westchester towns offer a wider variety of housing options and better value.

Peekskill, NY – $506,895

Peekskill offers the most affordable median home price in this list at $506,895. Situated about 43 miles from Manhattan, Peekskill offers a relatively reasonable commute (although too long for a daily commute to NYC)—around 1 hour and 11 minutes by car.

Buchanan, NY – $557,150

$557,150 is the median home value here. Buchanan lies just north of Peekskill, so the commute time by car is similar—roughly 1 hour to Manhattan.

Mount Vernon, NY – $560,081

With $560,081, Mount Vernon is more affordable than much of Westchester. Being adjacent to the Bronx, the drive into Manhattan is quick—often under 30 minutes, depending on traffic and entry point. The Metro North train ride is also fast, under 30 minutes! Mount Vernon is perfect if you’re looking for affordability and a fast commute to NYC.

Eastchester, NY – $601,662

At $601,662, Eastchester offers a suburban feel with excellent schools. A typical car commute to Manhattan takes about 30–40 minutes. The Metro North train ride is also fast, making it feasible to live in Eastchester and commute to NYC daily.

Ossining, NY – $646,700

With a median of $646,700, Ossining offers Hudson River charm. The drive into Manhattan is about 58 minutes.

Somers, NY – $661,692

Somers balances scenic, suburban living with a median home price of $661,692. Driving into Manhattan takes around 1 hour and 1 minute. It’s an ideal place for anyone who has to commute into NYC a few times a week (commuting in daily can be a grind).

Yonkers, NY – $672,451

Yonkers’ median home value is $672,451. Driving into Manhattan typically takes 25 to 35 minutes and the Metro North train ride is fast. You can live in Yonkers and commute to New York City every day without feeling burnt out.

Mount Kisco, NY – $683,735

At $683,735, Mount Kisco is affordable and has a great downtown. The car ride into Manhattan generally takes about 50 to 60 minutes.

Yorktown Heights, NY – $695,041

With a median of $695,041, Yorktown Heights provides charming suburbs with parks nearby. Its drive time to Manhattan is similar to Somers—around 1 hour to 1 hour and 10 minutes.

White Plains, NY – $779,916

White Plains, a busy hub for work and shopping, registers at $779,916. Proximity makes for a quick commute—approximately 25 to 35 minutes by car. It’s also a hub for Metro North trains, so the commute is fast and there are frequent trains. You can easily live in White Plains and commute to NYC every day.

Find out how much it costs to live in White Plains, NY with our White Plains Cost of Living Calculator (it costs over $10,000 a month for a family of four!)

Croton-on-Hudson, NY – $795,688

Croton-on-Hudson’s riverfront views and outdoor lifestyle make it a desirable place to live in. The median home price is $795,688, and the commute into Manhattan usually takes around 45 to 55 minutes.

Tarrytown, NY – $813,912

Historic and scenic Tarrytown holds a median home value of $813,912. It’s about 35 to 45 minutes by car to Manhattan.

New Rochelle, NY – $903,067

New Rochelle, with a median price of $903,067, combines coastal appeal and city proximity. Driving to Manhattan is generally about 30 to 40 minutes and the Metro North commute is fast and easy. You can live in New Rochelle and commute into NYC daily without feeling burnt out.

Mamaroneck, NY – $1,017,017

Mamaroneck is not affordable per se, with a median home value of $1,017,017, but it is one of Westchester’s most desirable towns. It’s one of the shortest drives into the city—usually under 30 minutes, and the Metro-North train ride is fast.

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