Wholesaling Real Estate in Westchester County, New York
In short, wholesaling in Westchester County, New York lets you earn from a deal without ever owning, fixing, or carrying the house. First, you locate a distressed property, put it under contract with a seller who needs out, and sell that contract to a cash investor for a fee.
Every Westchester County foreclosure runs through State Supreme Court, so a case can sit for months, and wholesalers who reach the owner during that wait get the best contracts.
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Westchester County, New York housing market at a glance
Market data: Realtor.com Westchester County housing market, October 2026. Zillow Home Value Index for Westchester County: $884,652 (up 7.3% from a year earlier), August 2026. View homes on Zillow.
What draws wholesalers to Westchester County
In practice, in Westchester you tie up a property with a signed contract and a modest earnest money deposit, with no bank loan involved. Then the cash buyer who takes over pays for the renovation and handles the trades, and many assignments here close within a few weeks.
As a result, a county with a million residents produces a constant stream of estate filings, divorce cases, and foreclosure actions. Therefore, wholesalers who watch those records and contact owners first win most of the off-market deals between Yonkers and Somers.
Wholesaling a Westchester County house, step by step
In general, a Westchester assignment follows six steps between the first phone call and your fee:
- Find a distressed property
First of all, target Westchester owners with a concrete reason to sell: heirs, landlords who want out, and homeowners with a notice of pendency filed against them. - Run the numbers
Base the after-repair value (ARV) on recent sales in the same village or hamlet, since a Larchmont comp says little about a house in Mount Vernon. - Sign a purchase contract
Negotiate a contract price that leaves the end buyer a profit and still covers your fee. - Find a cash buyer
Then present the deal to a flipper, landlord, or other cash investor on your Westchester buyers list. - Assign the contract
After that, sign over your contract rights to that investor in return for the agreed fee. - Collect your fee
Your fee is paid out of the transaction when the end buyer closes on the property.
Motivated sellers who want to liquidate fast
For this reason, ForeclosuresDaily.com’s off-market real estate platform covers every major distress signal in Westchester County, cross-referenced with tax rolls and property appraiser records.
Pricing a Westchester County wholesale offer
In general, aRV, the value of the house after repairs, sets the starting point for any Westchester offer.
A Westchester flipper following the 70% Rule pays no more than 70% of ARV after subtracting repairs. Because your fee sits inside that cap, the number you put in front of the seller must come in lower.
Wholesale offer example
| Step | Amount |
|---|---|
| ARV | $650,000 |
| 70% of ARV − repairs ($52,000) | $403,000 |
| Your assignment fee | − $20,000 |
| Your contract price |
Westchester County areas worth a closer look
Above all, begin with the Westchester ZIP codes below and branch out as buyers tell you which towns they prefer. Then tap any card to see its market data.
ZIP 10501 · Amawalk · Wholesale
Market snapshot: Amawalk (10501)
Amawalk (10501) shows a Zillow Home Value Index of $867,149 for August 2026, up 4.3% from a year earlier.
ZIP 10501 is part of Amawalk, NY.
Investor note: In short, with typical values near $867,149, an Amawalk deal in 10501 needs careful comps from closed sales, and probate, pre-foreclosure, and absentee-owner lists are the best starting points for finding sellers.
ZIP 10514 · Chappaqua · $1,570,000 · Negotiate
Market snapshot: Chappaqua (10514)
| Metric | Value |
|---|---|
| Median listing price | $1,570,000 ▲ 30.8% |
| Price per sq ft | $560 |
| Days on market | 94 days ▲ 58.8% |
| Median rent | $5,900 ▲ 22.9% |
| Active listings | 21 ▼ 54.5% |
| Gross rent yield | 4.5% |
For example, Chappaqua (10514) posted a 13.6% annual jump, bringing its Zillow Home Value Index to $1,561,066 in August 2026.
In fact, Chappaqua is a hamlet and census-designated place in the town of New Castle, in northern Westchester County, New York. Specifically, it is approximately 30 miles north of New York City.
Also, Chappaqua was founded by a group of Quakers in the 1730s and was the home of Horace Greeley, New-York Tribune editor and U.S. congressman. In fact, Chappaqua's high school is named after him. Population: 2,598.
Investor note: In short, Chappaqua is an unincorporated hamlet of 2,598 inside the town of New Castle, so pull permits, liens, and code cases from the town. Therefore, with a $1,570,000 median and few sales each year, verify every comp and keep buyers who already work 10514.
Max offer when the ARV equals the median price: $1,570,000 × 70% − $126,000 repairs = $973,000 max offer
Also see the full 10514 market report on Realtor.com →
Then view 10514 homes on Zillow →
ZIP 10528 · Harrison · $1,649,000 · Flip
Market snapshot: Harrison (10528)
| Metric | Value |
|---|---|
| Median listing price | $1,649,000 ▲ 8.1% |
| Price per sq ft | $489 |
| Days on market | 50 days ▼ 15.3% |
| Median rent | $6,600 ▲ 5.6% |
| Active listings | 23 ▲ 27.3% |
| Gross rent yield | 4.8% |
Harrison (10528) has a Zillow Home Value Index of $1,506,977 as of August 2026, a 9.2% gain over the year.
In fact, Harrison is a town and village in Westchester County, New York. Specifically, it is a suburb of New York City, located approximately 11 miles northeast of Manhattan. Population: 28,218 (2020 census).
Investor note: In short, Harrison runs its own local government, so request its code-violation, vacant-property, and rental-registration lists. As a result, sitting about 11 miles from Manhattan keeps owner-occupant demand strong at a $1,649,000 median, which helps retail resales and quick assignments in 10528.
Max offer when the ARV equals the median price: $1,649,000 × 70% − $132,000 repairs = $1,022,300 max offer
Also see the full 10528 market report on Realtor.com →
Then view 10528 homes on Zillow →
ZIP 10538 · Larchmont · $1,199,500 · Flip
Market snapshot: Larchmont (10538)
| Metric | Value |
|---|---|
| Median listing price | $1,199,500 ▲ 59.9% |
| Price per sq ft | $622 |
| Days on market | 54 days ▲ 0.9% |
| Median rent | $4,169 ▲ 30.3% |
| Active listings | 25 |
| Gross rent yield | 4.2% |
By contrast, Larchmont (10538) carries a Zillow Home Value Index of $1,788,240 for August 2026, the highest on this page after a 13% annual rise.
In fact, Larchmont is an affluent village located within the Town of Mamaroneck in Westchester County, New York. Also, Larchmont is a suburb of New York City, located approximately 18 miles northeast of Midtown Manhattan. Indeed, in February 2019, Bloomberg ranked Larchmont as the 15th wealthiest place in the United States and the third wealthiest in New York. Population: 6,630.
Max offer when the ARV equals the median price: $1,199,500 × 70% − $96,000 repairs = $743,650 max offer
Also see the full 10538 market report on Realtor.com →
Then view 10538 homes on Zillow →
ZIP 10552 · Mount Vernon · $220,000 · Buy & hold
Market snapshot: Mount Vernon (10552)
| Metric | Value |
|---|---|
| Median listing price | $220,000 ▼ 2.2% |
| Price per sq ft | $250 |
| Days on market | 58 days ▼ 21.6% |
| Median rent | $3,000 ▲ 23.7% |
| Active listings | 75 ▲ 21.9% |
| Gross rent yield | 16.4% |
Meanwhile, Mount Vernon (10552) reads $560,243 on the Zillow Home Value Index for August 2026, up 7.9% year over year.
In fact, Mount Vernon is a city in Westchester County, New York. Specifically, it is an inner suburb of New York City, immediately to the north of the borough of the Bronx. Also, Mount Vernon has two major sections. South-side Mount Vernon is more urban, while north-side Mount Vernon is more residential. Population: 73,893.
Max offer when the ARV equals the median price: $220,000 × 70% − $18,000 repairs = $136,000 max offer
Also see the full 10552 market report on Realtor.com →
Then view 10552 homes on Zillow →
ZIP 10573 · Rye Brook · $489,000 · Negotiate
Market snapshot: Rye Brook (10573)
| Metric | Value |
|---|---|
| Median listing price | $489,000 ▼ 37.9% |
| Price per sq ft | $399 |
| Days on market | 33 days ▼ 56% |
| Median rent | $3,000 ▼ 7% |
| Active listings | 45 ▲ 27.3% |
| Gross rent yield | 7.4% |
Rye Brook (10573) has a Zillow Home Value Index of $901,271 as of August 2026, a 7.8% climb from the year before.
Similarly, Rye Brook is a village in Westchester County, New York, within the town of Rye. In addition, Rye Brook is located in southeastern Westchester County and shares its eastern border with Greenwich, Connecticut.
The village was an unincorporated section of the town of Rye until its incorporation as a village on July 7, 1982. Also, Rye Brook has been designated as a Tree City USA for 14 years. Population: 10,047.
Max offer when the ARV equals the median price: $489,000 × 70% − $39,000 repairs = $303,300 max offer
Also see the full 10573 market report on Realtor.com →
Then view 10573 homes on Zillow →
ZIP 10589 · Somers · $650,000 · Negotiate
Market snapshot: Somers (10589)
| Metric | Value |
|---|---|
| Median listing price | $650,000 ▼ 3.3% |
| Price per sq ft | $435 |
| Days on market | 40 days ▲ 11.1% |
| Median rent | $4,300 ▲ 15.4% |
| Active listings | 36 ▲ 15% |
| Gross rent yield | 7.9% |
Likewise, Somers (10589) shows a Zillow Home Value Index of $693,530 for August 2026, up 4.1% over twelve months.
In fact, Somers is a town located in northern Westchester County, New York. In addition, the nearby Metro-North Commuter Railroad provides service to Grand Central Terminal in Manhattan, with an average commute time of 65 to 75 minutes from stations at Purdys, Goldens Bridge, Croton Falls, and Katonah. Population: 21,541.
Max offer when the ARV equals the median price: $650,000 × 70% − $52,000 repairs = $403,000 max offer
Also see the full 10589 market report on Realtor.com →
Then view 10589 homes on Zillow →
ZIP 10598 · Yorktown Heights · $749,900 · Wholesale
| Metric | Value |
|---|---|
| Median listing price | $749,900 ▲ 8.8% |
| Price per sq ft | $405 |
| Days on market | 45 days ▼ 33.8% |
| Median rent | $3,975 ▼ 3% |
| Active listings | 95 |
| Gross rent yield | 6.4% |
In Yorktown Heights (10598), the Zillow Home Value Index reached $743,529 in August 2026, 6.2% above a year earlier.
Meanwhile, Yorktown Heights is a census-designated place in the town of Yorktown in Westchester County, New York. Population: 1,884.
Max offer when the ARV equals the median price: $749,900 × 70% − $60,000 repairs = $464,930 max offer
Also see the full 10598 market report on Realtor.com →
Then view 10598 homes on Zillow →
ZIP 10701 · Yonkers · $250,000 · Negotiate
Market snapshot: Yonkers (10701)
| Metric | Value |
|---|---|
| Median listing price | $250,000 ▼ 36.5% |
| Price per sq ft | $273 |
| Days on market | 60 days ▲ 17.6% |
| Median rent | $2,650 ▲ 7.1% |
| Active listings | 105 ▼ 1.5% |
| Gross rent yield | 12.7% |
Meanwhile, Yonkers (10701) logs a Zillow Home Value Index of $634,250 as of August 2026, up 6.4% on the year.
In fact, Yonkers is a city in Westchester County, New York. 4 miles north of Marble Hill. Also, Yonkers is a centrally located municipality within the New York metropolitan area. In particular, Downtown Yonkers is centered on Getty Square, where the municipal government is located. Population: 211,569 (2020 census).
Investor note: In short, Yonkers has 211,569 residents, so 10701 offers plenty of sales to comp against and a steady stream of deals near its $250,000 median.
Max offer when the ARV equals the median price: $250,000 × 70% − $20,000 repairs = $155,000 max offer
Also see the full 10701 market report on Realtor.com →
Then view 10701 homes on Zillow →
ZIP 10708 · Bronxville · $369,900 · Buy & hold
Market snapshot: Bronxville (10708)
| Metric | Value |
|---|---|
| Median listing price | $369,900 ▲ 6% |
| Price per sq ft | $365 |
| Days on market | 62 days ▼ 3.1% |
| Median rent | $3,550 ▲ 3.6% |
| Active listings | 103 ▲ 12.8% |
| Gross rent yield | 11.5% |
Bronxville (10708) has a Zillow Home Value Index of $978,334 for August 2026, an 8.8% annual increase.
In fact, Bronxville is a village in Westchester County, New York, located approximately 15 miles north of Midtown Manhattan. Specifically, it is part of the town of Eastchester. In addition, the village comprises one square mile of land in its entirety, approximately 20% of the town of Eastchester. Population: 6,656.
Max offer when the ARV equals the median price: $369,900 × 70% − $30,000 repairs = $228,930 max offer
Also see the full 10708 market report on Realtor.com →
Then view 10708 homes on Zillow →
Meanwhile, each ZIP's gross rent yield divides 12 months of median rent by the median listing price, and every max offer budgets repairs at 8% of the median.
Lining up cash buyers in Westchester
Have Westchester cash buyers ready before your first contract. In general, the best ones close fast: flippers, landlords, and small builders.
Assigning a Westchester purchase contract
However, wholesaling rules vary from state to state. New York's Home Equity Theft Prevention Act (Real Property Law 265-a) requires extra disclosures and a cancellation period when you buy from an owner in foreclosure, so run your contracts past a New York real estate attorney.
ForeclosuresDaily off-market opportunities before your competition
Westchester County at a glance
In addition, New York foreclosures always go through the state Supreme Court.
Lenders must send a notice at least 90 days before filing, a court-appointed referee auctions the home after judgment, and there is no right to buy it back afterward. In Westchester County, contracts signed before the sale date leave time to find a buyer.
What changed recently: Under a 2024 state law (L.2024, ch. 55, Part BB), when a New York county or city forecloses for unpaid property taxes and sells the property, the former owner can claim the money left over after the taxes, interest and fees are paid. For homes, late claims are accepted for at least three years after the sale is confirmed.
Sources: U.S. Census Bureau QuickFacts, Westchester County, New York (2020 to 2024 American Community Survey; population estimate for July 1, 2025) and state foreclosure law summary.
In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.
Common questions about wholesaling in Westchester County
What does a Westchester County wholesale deal look like?
Is wholesaling legal in New York?
What can a wholesaler earn on a Westchester County deal?
Where are Westchester County's most affordable listings?
How do Westchester County foreclosures start?
Start pulling Westchester County wholesale leads
Above all, fresh, targeted off-market leads covering Amawalk, Chappaqua, Harrison, and the rest of Westchester.