Where to live? Westchester County, NY versus Fairfield County, CT

Where to live? Westchester County, NY versus Fairfield County, CT

Where should you move to Westchester County, NY versus Fairfield County, CT?  This is a common dilemma for a lot New Yorker looking to move to the New York Suburbs of Westchester or Fairfield County. Should you move to Rye, NY?  Or should you go 8 minutes north and move to Greenwich, CT?  Narrowing down the specific towns can often take time.  There are a lot of factors to consider such as taxes, schools and commute times.  Here are some pros and cons to consider when you are looking to move to Westchester County or Fairfield County,

For the purpose of this article, we are comparing Lower Westchester County to lower Fairfield County. Lower Westchester County is bordered in the south by Mt. Vernon and in the north by White Plains while lower Fairfield County is bordered in the south by Greenwich and in the north by Westport. So where should you move to- Westchester County or Fairfield County?

Comparing Westchester County versus Fairfield County

Commuting to Westchester is Faster than Commuting to Connecticut

There are a lot of reasons to choose Westchester over Connecticut.  The biggest pro is the shorter commute.  Commuting on the Metro-North from Westchester to Manhattan can be significantly shorter than commuting to Connecticut.  The fastest Metro-North commute to Grand Central can range from 24 minutes from Mt. Vernon, NY and 36 minutes from Rye, NY.  While the fastest Metro-North commute from Fairfield County ranges from 41 minutes to Greenwich, CT and 62 minutes to Westport, CT.   So depending on where you work in Manhattan, that extra 20 minutes in commute times can push you over the edge and that can become your deciding factor.

Taxes are Higher in Westchester than in Connecticut

This is a big deciding factor for a lot of buyers.  Property taxes in Westchester are significantly higher than those in Connecticut.  As an example, let’s compare $1.0 million homes.  If you buy a $1.0 million home in Scarsdale, NY expect to pay approximately $23,000-$30,000 in property taxes.  The range in property tax depends on the municipality of your home.  For example, 241 Beverly Road, Scarsdale NY sold for $1,020,000 located in the Town of Greenburgh (Edgemont School district) has real estate taxes of $30,610.  While 45 Graham Road, Scarsdale, NY sold for $1,042,605 located in the Village/Town of Scarsdale (Scarsdale School district) has property taxes of $23,892.  Let’s move further north and see how this compares to Connecticut.  For example, in Greenwich, CT a $1.0 million home has property taxes of approximately $7,500-$9,000.   17 Prospect Drive, Greenwich CT sold for $1,060,000 (North Street Elementary School) has real estate taxes of $9,325.  And 10 Licata Terrace, Cos Cob, CT sold for $1,010,000 (North Mianus Elementary School) has real estate taxes of $7,971.  There is significant savings in property taxes if you live in Connecticut.

Check out our article: Is it more Expensive to Live in Westchester or Connecticut?

It’s a Toss Up with the Schools

It’s hard to say which school districts are better.  When you look at Niche.com’s 2018 ranking of the Best School Districts in New York City, both Westchester and Fairfield County schools ranked in the top 10.  Westport School District (CT) is ranked #5, Edgemont Union Free School (NY) is ranked #6, Scarsdale Union Free School District (NY) is ranked #7 and New Canaan School District (CT) is ranked #8.  Overall, there are more Westchester county schools included in Niche.com’s ranking.  However, it can also be because there are more Westchester School districts and less Fairfield County school districts.

What is more important for you? Shorter Commute or Lower Property Taxes?

I think it really depends on what you value more.  If commute times is important for you and you are willing to pay higher property taxes just to cut down on your commute then Westchester is probably right for you.  However, if you are willing to sacrifice your commute and save on property taxes then Fairfield County is probably right for you.

Are you looking to move to the New York Suburbs?

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You may also be interested in:

Find out how much it costs to live in Westchester County. $10,000 a Month to Live in Westchester: Cost of Living Calculator

Connecticut Real Estate Transfer Tax Calculator

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About Suburbs 101

Suburbs 101 is an online lifestyle guide for the New York Suburbs of Westchester County, Long Island, Fairfield County and Northern New Jersey.  Get the inside scoop on what it’s really like to live in the New York suburbs through our interviews with local suburbanites and features on Food, Fashion, Home, Travel, and Local Events. Be sure to Follow Us on InstagramLike Us on Facebook and subscribe to our Monthly Newsletter.

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