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Westchester Real Estate

Recognized by The Wall Street Journal, CBS News, HGTV, and other top media outlets for our market expertise. Now putting that knowledge, strategy, and local insight to work for you.

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Founded by Seth Keslow and Lauren Hurwitz, alongside Marla Striar, The Keslow Hurwitz Team brings thoughtful strategy, strong marketing, and direct Westchester experience to every move.

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The Real Deal
Yahoo! Finance
Westchester Magazine
Westchester Women Magazine

Local expertise, elevated service, creative marketing, and real relationships.

Whether you are buying, selling, or simply starting to think about your next move, we are here to guide you with honesty, strategy, and a whole lot of heart.

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Strategy

Thoughtful pricing, timing, and positioning tailored to today’s Westchester market.

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Professional presentation, digital exposure, social strategy, and custom campaigns.

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Negotiation

Experienced guidance from the first showing through contract, inspections, and closing.

Westchester County Real Estate Guide | Best Towns, Schools, Commutes & Home Styles
Westchester County Real Estate Guide

Westchester County Real Estate Guide

Compare Westchester towns by commute, home style, school district, neighborhood feel, price point, and lifestyle — from Scarsdale and Larchmont to Rye, Bronxville, New Rochelle, White Plains, Pelham, Armonk, Chappaqua, Mamaroneck, Harrison and Purchase.

A practical guide to Westchester County communities, commute options, home styles, local lifestyle, and real estate market differences — written for buyers, sellers, and NYC relocators.

Westchester County Real Estate by Town

Westchester County real estate is not one market. Scarsdale, Larchmont, Rye, Bronxville, Edgemont, New Rochelle, White Plains, Pelham, Armonk, Chappaqua, Mamaroneck, Harrison and Purchase each have their own housing stock, price points, commute patterns, and neighborhood feel.

Use this guide to compare Westchester towns by commute to New York City, school district, home style, walkability, inventory, taxes, and market demand. Across the county you will see classic Colonials, Tudors, Cape Cods, Victorians, renovated older homes, larger lots, driveways, mature trees, and neighborhoods that can vary block by block.

Westchester homes for sale Best towns in Westchester NY Westchester commute to NYC Westchester communities Scarsdale real estate Larchmont homes Rye NY real estate

Compare Westchester Communities

Classic Westchester-style home with mature trees and a landscaped lot

Browse Westchester communities by commute, housing style, village feel, waterfront access, downtown convenience, and the kind of homes buyers actually find in each market.

ArmonkLuxury Living BronxvilleVillage Charm ChappaquaEstate Living EdgemontNeighborhood Appeal Harrison / PurchaseEstate Living LarchmontVillage Charm MamaroneckSound Shore New RochellePinebrook & More PelhamCommuter Favorite RyeCoastal Living Rye BrookCommunity Living ScarsdaleLocal Expertise White PlainsConvenience

Frequently Asked Questions

Common Questions

Straightforward answers to the questions buyers, sellers, and NYC relocators ask most when comparing Westchester towns.

Many Westchester buyers put 10–20% down, but the right number depends on the loan, property type, and offer strategy. Co-ops often require stronger cash reserves, while condos and single-family homes can be more flexible.
With a condo, you own the unit. With a co-op, you own shares in the building corporation and receive a proprietary lease. Co-ops can be more affordable, but the board package, financing rules, and sublet policy matter.
A typical Westchester purchase can close in about 45–90 days after an accepted offer. The timeline depends on the inspection, contract review, mortgage process, title work, and whether a co-op or condo board is involved.
Spring is usually the busiest listing season, but serious buyers shop all year. The better question is whether the home is priced correctly, prepared well, and launched with the right strategy for current inventory.
Westchester property taxes depend on the municipality, assessed value, school district, and exemptions. Two homes close to each other can carry very different tax bills, so taxes should always be reviewed before making an offer.
Commute is one of the biggest factors in a Westchester search. Buyers should compare Metro-North line, express train time, station parking, walkability to the train, and driving access before choosing a town.

Your Questions, Answered

Frequently Asked Questions

Everything buyers, sellers, and newcomers ask us — organized by topic so you can find what matters most to you.

Buying

Most conventional loans require 10–20% down. In Westchester, where median prices often exceed $700K, that means budgeting $70K–$140K or more. FHA loans allow as little as 3.5% down for qualifying buyers, though co-ops typically require 20–30% minimum.
From accepted offer to closing typically takes 45–90 days. Add 2–4 weeks for the search phase if you're pre-approved and know your target towns. Competitive markets in Scarsdale or Larchmont can move faster — some buyers close in under 60 days.
Yes — always. In Westchester, most listing agents won't schedule showings without proof of pre-approval. More importantly, knowing your ceiling lets you focus on the right neighborhoods rather than falling for homes outside your budget.
Westchester has trended seller-favoring since 2021 due to inventory constraints and sustained demand from NYC relocators. Conditions vary by town and price point — reach out for a current snapshot of your target market.

Selling

Spring (March–May) is historically the most active season in Westchester, driven by families wanting to close before the school year ends. That said, low inventory in fall and winter means less competition — strong homes sell year-round.
A Comparative Market Analysis (CMA) compares your home against recent sales in your neighborhood, adjusting for size, condition, and features. Online tools like Zillow are starting points, but Westchester's hyper-local market demands a human review — block-by-block factors matter enormously here.
Focus on first impressions: fresh paint in neutral tones, landscaping, and a thorough deep clean are highest ROI. In Westchester, kitchen and bath condition strongly influences buyer perception. Avoid over-improving for the neighborhood — the market won't reward a $60K kitchen remodel in a $500K area.

Co-ops & Condos

With a condo you own real property — your unit and a share of common areas. With a co-op you own shares in a corporation that owns the building; your "unit" comes with a proprietary lease. Co-ops have board approval processes, stricter financial requirements, and often prohibit subletting. Condos offer more flexibility but typically cost more per square foot.
Yes, particularly in cities like White Plains, New Rochelle, and Yonkers. Co-ops can offer significantly lower entry prices — but factor in monthly maintenance fees (which include property taxes) and board restrictions before deciding.
It depends entirely on the co-op board's rules. Many prohibit subletting entirely; others allow it after a minimum ownership period (often 2–3 years). Always review the house rules and proprietary lease before purchasing if rental flexibility matters to you.

Westchester Living

Property taxes in Westchester are determined by your municipality, school district, and county assessment of your home's value. Westchester has some of the highest property taxes in the country — often $15,000–$30,000+ annually on a typical single-family home. School district makes a significant difference: the same house can carry vastly different tax bills depending on which district it falls in.
Scarsdale, Edgemont, Bronxville, and Ardsley consistently rank among the top districts in New York State. Pelham, Larchmont-Mamaroneck, and Rye are also highly regarded. Rankings fluctuate year to year — we recommend reviewing NY State report cards and visiting schools directly.
Overall, Westchester County is one of the safer suburban counties in the greater New York area. Crime rates vary meaningfully by municipality — smaller villages like Larchmont and Pelham tend to have very low crime, while parts of larger cities like Yonkers and Mount Vernon have higher rates. We're happy to discuss specifics by neighborhood.

Closing Costs

Expect 2–5% of the purchase price in closing costs. In New York, this typically includes mortgage recording tax (~1.8% for loans under $500K, 1.925% above), title insurance, attorney fees, and bank fees. For a $900K home, budget approximately $20,000–$30,000 in closing costs above your down payment.
Sellers in New York pay the real estate commission (negotiable, typically split between both agents), attorney fees, NY State transfer tax (0.4% of sale price), and a mansion tax if the buyer is purchasing above $1M. Sellers also typically cover any unpaid property taxes or HOA dues at proration.

Commuting

The Metro-North Harlem and New Haven lines serve most of Westchester, with express trains reaching Grand Central in 25–45 minutes from many stations. Pelham, Larchmont, and Mamaroneck are popular for short commutes. Parking at stations fills quickly — check waitlists before buying. If you're driving to NYC, the Hutchinson Parkway and I-95 are the main corridors but can be heavily congested during peak hours.
On the New Haven Line: Pelham (28 min express), New Rochelle (30 min), Larchmont (34 min), Mamaroneck (38 min). On the Harlem Line: Tuckahoe, Crestwood, and Scarsdale range from 35–47 minutes on express trains. Times vary by service type — always check the MTA schedule for your target station.

Working With Our Team

You can use the listing agent, but they represent the seller's interests — not yours. A buyer's agent is a fiduciary who negotiates on your behalf, advises on price and inspection findings, and guides you through the full process. In New York, buyer's agent commissions are paid by the seller at closing, so there's no direct cost to you for this representation.
The best first step is a 30-minute discovery call. We'll talk through your timeline, budget, must-haves, and target towns — and give you an honest read of the market. From there, we set up a custom search and schedule showings. No pressure, no commitment required.

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    Client Words

    The experience matters

    Real estate is personal. Our clients count on us for clear advice, direct communication, thoughtful marketing and experienced guidance from the first conversation through closing.

    ★★★★★
    “Seth Keslow is an experienced and honest broker who always puts his clients’ interests first. He is very knowledgeable about the Scarsdale market and is responsive and helpful throughout the process. He goes out of his way to help, listens and always keeps a positive and encouraging attitude.”

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    “I consider myself exceptionally fortunate to have had Lauren work with me on the sale of two properties. She was beyond professional, always patient, understanding and willing to do anything that made the process easier for me.”

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    “I have met and worked with many realtors, but I can tell you Marla is by far the best I have ever worked with. She answers questions quickly, makes herself available and goes the distance for her clients.”

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    “Seth is the real deal. He knows everything about the area, is patient and helpful throughout the process, and has already earned our recommendation to anyone thinking of moving to lower Westchester.”

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    “Lauren is an absolute delight to work with. She is knowledgeable, professional, responsive and a strong communicator. She made the experience of buying a home manageable, easy and even fun.”

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    “We had a great experience working with Marla. We always felt she had our best interests in mind and was an excellent communicator throughout the process. She was on top of everything from beginning to end.”

    Jan and Erin

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    Why clients choose us and come back

    We answer our phones, tell clients the truth and stay involved. Every move receives a clear strategy, thoughtful communication and experienced local guidance.

    We understand the streets, neighborhoods, commute patterns, housing styles and market differences that shape real estate decisions across Westchester County.
    From pricing and preparation to staging, photography, digital campaigns, social media, open houses and buyer outreach, every listing receives a customized marketing plan.
    We explain the options clearly, protect our clients’ interests and help them move forward with confidence through offers, inspections, contracts and closing.
    Compass technology, Private Exclusives, Coming Soon visibility and a broad agent network give our clients meaningful reach and access throughout the process.