How much do homeowners pay a month in the Village of Elmsford, NY?

Name: Homeowner costs in the Village of Elmsford, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in the Village of Elmsford, NY pay a median of $3,779 (±$170) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

61.5% of owned homes carry a mortgage.

In the Village of Elmsford, the median monthly cost with a mortgage went from $3,340 in 2015–2019 to $3,779 in 2020–2024 (+13.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $3,779 (±$170)
Without a mortgage: $1,500 or more
Owned with a mortgage: 61.5%

Monthly owner costs in the Village of Elmsford

Median selected monthly owner costs, estimate (90% margin of error)
	Village of Elmsford	Westchester County	New York	United States
With a mortgage	$3,779 (±$170)	$4,000 (±$45)	$2,555 (±$9)	$1,963
Without a mortgage	$1,500 or more	$1,500 or more	$958 (±$5)	$638
Owned homes with a mortgage	61.5% (±13.9 points)	60.8% (±0.8 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In the Village of Elmsford, the median cost with a mortgage is lower than in Westchester County ($4,000).

It is also higher than in New York ($2,555).

It is higher than the national figure ($1,963).

In Westchester County, the Village of Elmsford ranks 20 of 23 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 102 of 528.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in the Village of Elmsford have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$3,340 (±$326)	$3,779 (±$170)	+13.1%	No measurable change after inflation
Median home value	$433,300 (±$33,709)	$641,700 (±$45,875)	+48.1%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near the Village of Elmsford

Nearest places with a published estimate, compared with the Village of Elmsford
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Village of Elmsford	—	$3,779 (±$170)	—
Fairview (Westchester County)	1.2 mi	$4,000 or more	—
Town of Greenburgh	2.3 mi	$4,000 or more	—
Valhalla	2.5 mi	$3,785 (±$458)	Not measurably different
Hartsdale	2.7 mi	$2,228 (±$411)	Lower
Village of Tarrytown	2.8 mi	$4,000 or more	—
Village of Irvington	3.1 mi	$3,931 (±$962)	Not measurably different
Village of Ardsley	3.1 mi	$4,000 or more	—
Hawthorne	3.5 mi	$4,000 or more	—

Nearby places with a measurably lower figure: Hartsdale, NY ($2,228).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Westchester County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Village of Scarsdale	$4,000 or more
1 (tie)	Village of Sleepy Hollow	$4,000 or more
1 (tie)	Village of Tarrytown	$4,000 or more
1 (tie)	Village of Tuckahoe	$4,000 (±$1,069)
18	Village of Irvington	$3,931 (±$962)
19	Village of Port Chester	$3,885 (±$380)
20	Village of Elmsford	$3,779 (±$170)
21	Village of Buchanan	$3,220 (±$324)
22	Village of Ossining	$3,206 (±$179)
23	Village of Mount Kisco	$3,117 (±$516)

Showing 10 of 23 places in Westchester County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Village of Elmsford

What is the average mortgage payment in the Village of Elmsford?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Village of Elmsford, NY is $3,779 (±$170) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in the Village of Elmsford?

Owners without a mortgage in the Village of Elmsford pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in the Village of Elmsford gone up?

In the Village of Elmsford, the median monthly cost with a mortgage went from $3,340 in 2015–2019 to $3,779 in 2020–2024 (+13.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Elmsford village, New York (place:24295, in state:36).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.