Westchester County, NY at a glance
Median household income
$118,976$9,915 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Westchester County, NY?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Westchester County, NY? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for New York, NY HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $2,529 | $30,348 | $101,160 | 25.5% |
| 1-Bedroom Apartment | $2,655 | $31,860 | $106,200 | 26.8% |
| 2-Bedroom ApartmentBenchmark | $2,910 | $34,920 | $116,400 | 29.4% |
| 3-Bedroom Home | $3,644 | $43,728 | $145,760 | 36.8% |
| 4-Bedroom Home | $3,959 | $47,508 | $158,360 | 39.9% |
Rent in Westchester County, NY, with the wage each unit needs →
What a typical income covers in Westchester County, NY
The 50/30/20 rule applied to the local median of $118,976 a year ($9,915 a month before tax).
What $118,976 leaves after New York taxes
Federal income tax, Social Security, Medicare and New York tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in New York
Living in Westchester County, NY: common questions
What is the median household income in Westchester County, NY?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Westchester County, NY is $118,976 per year (approximately $9,915 per month).
What is the average rent in Westchester County, NY?
The closest official figure is HUD's Fair Market Rent for 2026: $2,529 for a studio, $2,655 for one bedroom, $2,910 for two, $3,644 for three and $3,959 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Westchester County, NY expensive to live in?
Prices there run 12.6% above the U.S. average. BEA's regional price parity for the metro area is 112.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Westchester County, NY?
To keep a $2,910 two-bedroom under 30% of gross income, a household needs about $116,400 a year, or $9,700 a month. That is 98% of what the typical household in Westchester County, NY earns.
How much do you need to live comfortably in Westchester County, NY?
On the local median income of $118,976 ($9,915 a month before tax), the 50/30/20 rule leaves $4,957 a month for needs like rent, utilities and groceries, $2,974 for everything else and $1,983 for savings or debt. A two-bedroom at $2,910 takes 59% of the needs share.
How much is the electric bill in Westchester County, NY?
Homes in New York paid 29.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $265. Your bill depends mostly on heating and cooling.