How much do homeowners pay a month in White Plains, NY?
Homeowners with a mortgage in White Plains, NY pay a median of $3,525 (±$237) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,494 (±$123).
57.7% of owned homes carry a mortgage.
In White Plains, the median monthly cost with a mortgage went from $3,273 in 2015–2019 to $3,525 in 2020–2024 (+7.7%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Figures last updated on .
- With a mortgage
- $3,525 (±$237)
- Without a mortgage
- $1,494 (±$123)
- Owned with a mortgage
- 57.7%
Monthly owner costs in White Plains
| White Plains | Westchester County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $3,525 (±$237) | $4,000 (±$45) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $1,494 (±$123) | $1,500 or more | $958 (±$5) | $638 |
| Owned homes with a mortgage | 57.7% (±4.3 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 White Plains, 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, White Plains ranks 21 of 25 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 33 of 999.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in White Plains have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $3,273 (±$213) | $3,525 (±$237) | +7.7% | Down after inflation |
| Median home value | $568,400 (±$17,823) | $620,800 (±$33,408) | +9.2% | Down 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 White Plains
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| White Plains | — | $3,525 (±$237) | — |
| Town of Harrison | 1.7 mi | $4,000 or more | — |
| Village of Harrison | 1.7 mi | $4,000 or more | — |
| Town of Scarsdale | 2.5 mi | $4,000 or more | — |
| Village of Scarsdale | 2.5 mi | $4,000 or more | — |
| Fairview (Westchester County) | 2.7 mi | $4,000 or more | — |
| Hartsdale | 2.8 mi | $2,228 (±$411) | Lower |
| Village of Rye Brook | 3.4 mi | $4,000 or more | — |
| Town of Rye | 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) | Town of Rye | $4,000 or more |
| 1 (tie) | Town of Scarsdale | $4,000 or more |
| 17 | Town of Ossining | $3,774 (±$222) |
| 18 | Town of Yorktown | $3,709 (±$98) |
| 19 | Town of Somers | $3,699 (±$307) |
| 20 | Mount Vernon | $3,596 (±$147) |
| 21 | White Plains | $3,525 (±$237) |
| 22 | Town of Cortlandt | $3,465 (±$108) |
| 23 | Town of Mount Kisco | $3,117 (±$516) |
| 24 | Yonkers | $3,028 (±$129) |
| 25 | Peekskill | $2,796 (±$120) |
Showing 11 of 25 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.
What you can do on Seayora in White Plains
One account for renting, owning, managing and fixing homes, with these figures beside you.
Own or manage a rental?
List it, sign the lease and collect rent online, with the figures for White Plains beside you.
Create a landlord account · See what landlords get
Looking for a place to rent?
Browse homes for rent near White Plains, save the ones you like and apply online.
Browse rentals · Create a renter account
Do repairs, renovations or maintenance?
Get found by owners and renters near White Plains, and send estimates and invoices from your phone.
Questions about White Plains
What is the average mortgage payment in White Plains?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in White Plains, NY is $3,525 (±$237) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in White Plains?
Owners without a mortgage in White Plains pay a median of $1,494 (±$123) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in White Plains gone up?
In White Plains, the median monthly cost with a mortgage went from $3,273 in 2015–2019 to $3,525 in 2020–2024 (+7.7%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — White Plains city, Westchester County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — White Plains city, Westchester County, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — White Plains city, Westchester County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — White Plains city, Westchester County, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — White Plains city, Westchester County, New York
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
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 White Plains city, Westchester County, New York (county subdivision:81677, in state:36 county:119).
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.
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.
Figures last updated on .
Related
- Housing in White Plains at a glance
- Median rent in White Plains
- Rent by bedrooms in White Plains
- Rent burden in White Plains
- Renters and owners in White Plains
- Income and affordability in White Plains
- Home values in White Plains
- Property taxes in White Plains
- Types of homes in White Plains
- Bedrooms in White Plains
- Age of homes in White Plains
- Vacancy rate in White Plains
- Heating fuel in White Plains
- Commute and cars in White Plains
- Crime reported to police in White Plains
- Population growth in White Plains
- How long people stay in White Plains
- Crowding and facilities in White Plains
- Local landlord and tenant rules in White Plains
- New York landlord and tenant rules
- Housing across Westchester County
- Housing data for every place in New York