Wholesaling Real Estate in Westchester County, New York
Wholesaling real estate in Westchester County, New York lets you profit from property deals without buying, renovating, or holding a home. You find a distressed property, sign a purchase contract with a motivated seller, and assign that contract to a cash buyer for a fee.
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.
Listed and sold 25 properties and personally bought and sold four fix-and-flip properties, all generated from probate leads.
Carolynn Castillo
Realtor & Broker · eXp Realty
Why wholesale real estate in Westchester County?
Wholesaling needs little capital because you control a property with a contract and an earnest money deposit, not a mortgage. In addition, your buyer handles the repairs, so you never manage contractors, and many assignments close in weeks rather than months.
Westchester County is home to about 1 million residents as of the 2020 census. Its ZIP codes span communities such as Amawalk, Chappaqua, Harrison, and Larchmont, and motivated-seller situations such as inherited homes, tired rentals, and pre-foreclosures show up across all of them.
With a population of this size, Westchester County produces a steady flow of probate filings, divorces, and foreclosure notices every year. Investors who track these records and reach owners early tend to find the best off-market deals.
Shannon Thompson
Investor · Joe Homebuyer of Atlanta
Watch Shannon Thompson share their experience using ForeclosuresDaily.com.
How does wholesaling real estate work in Westchester County?
Every wholesale deal follows the same path, from the first lead to the assignment fee:
Find a distressed property
Initially, use targeted lead generation to find owners with a reason to sell, such as heirs, tired landlords, or owners facing foreclosure.
Run the numbers
Next, estimate the after-repair value (ARV) from nearby sales, because your offer depends on it.
Sign a purchase contract
Then agree on a price that leaves room for your buyer’s profit as well as your assignment fee.
Find a cash buyer
After that, match the deal with a flipper, landlord, or other cash buyer from your list.
Assign the contract
In addition, transfer your rights under the contract to the buyer in exchange for your fee.
Collect your fee
Finally, the title company or closing attorney usually pays your assignment fee at closing.
Andrew Litchfield
Webinar host
Andrew Litchfield hosted a ForeclosuresDaily.com monthly webinar for real estate investors.
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.
Anthony Coletti
Real estate investor
Watch Anthony Coletti share their experience using ForeclosuresDaily.com.
How do you calculate a wholesale offer in Westchester County?
Every offer starts with the ARV, which is what the home will be worth once it is fixed. For example, the 70% Rule says your buyer should pay no more than 70% of ARV minus repairs. Because your assignment fee comes out of that number, your contract price must be even lower.
For instance, here is the math using the Westchester County median listing price as the ARV, an 8% repair budget, and a typical assignment fee.
Wholesale offer example
Jeremy Resmer
Webinar host
Jeremy Resmer hosted a ForeclosuresDaily.com monthly webinar for real estate investors.
Westchester County ZIP codes to watch
Start your search in these Westchester County ZIP codes, and then expand as you learn which areas your buyers want. Next, click a ZIP code to open its investing data.
AmawalkZIP 10501Wholesale
Amawalk (10501) market snapshot
In addition, the Zillow Home Value Index is $867,149 (up 4.3% from a year earlier) as of August 2026.
ZIP 10501 is part of Amawalk, NY.
Investor note: Pull probate, pre-foreclosure, and absentee-owner leads for 10501 to find motivated sellers here.
ChappaquaZIP 10514$1,570,000Negotiate
Chappaqua (10514) market snapshot
In addition, the Zillow Home Value Index is $1,561,066 (up 13.6% from a year earlier) as of August 2026.
Chappaqua is a hamlet and census-designated place in the town of New Castle, in northern Westchester County, New York. It is approximately 30 miles north of New York City. 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. Chappaqua's high school is named after him. Population: 2,598.
Investor note: Unincorporated area: permits, liens, and code enforcement are handled by the township or county, so pull records there. Small market: few sales each year, so verify every comp and keep a local buyers list.
Also see the full 10514 market report on Realtor.com →Then view 10514 homes on Zillow →
HarrisonZIP 10528$1,649,000Flip
Harrison (10528) market snapshot
In addition, the Zillow Home Value Index is $1,506,977 (up 9.2% from a year earlier) as of August 2026.
Harrison is a town and village in Westchester County, New York. It is a suburb of New York City, located approximately 11 miles northeast of Manhattan. Population: 28,218 (2020 census).
Investor note: Has its own local government, so check its code-violation, vacant-property, and rental-registration lists. Commuter suburb: owner-occupant demand helps retail resales and quick assignments.
Also see the full 10528 market report on Realtor.com →Then view 10528 homes on Zillow →
LarchmontZIP 10538$1,199,500Flip
Larchmont (10538) market snapshot
In addition, the Zillow Home Value Index is $1,788,240 (up 13% from a year earlier) as of August 2026.
Larchmont is an affluent village located within the Town of Mamaroneck in Westchester County, New York. Larchmont is a suburb of New York City, located approximately 18 miles northeast of Midtown Manhattan. 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.
Also see the full 10538 market report on Realtor.com →Then view 10538 homes on Zillow →
Mount VernonZIP 10552$220,000Buy & hold
Mount Vernon (10552) market snapshot
In addition, the Zillow Home Value Index is $560,243 (up 7.9% from a year earlier) as of August 2026.
Mount Vernon is a city in Westchester County, New York. It is an inner suburb of New York City, immediately to the north of the borough of the Bronx. Mount Vernon has two major sections. South-side Mount Vernon is more urban, while north-side Mount Vernon is more residential. Population: 73,893.
Also see the full 10552 market report on Realtor.com →Then view 10552 homes on Zillow →
Rye BrookZIP 10573$489,000Negotiate
Rye Brook (10573) market snapshot
In addition, the Zillow Home Value Index is $901,271 (up 7.8% from a year earlier) as of August 2026.
Rye Brook is a village in Westchester County, New York, within the town of Rye. 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. Rye Brook has been designated as a Tree City USA for 14 years. Population: 10,047.
Also see the full 10573 market report on Realtor.com →Then view 10573 homes on Zillow →
SomersZIP 10589$650,000Negotiate
Somers (10589) market snapshot
In addition, the Zillow Home Value Index is $693,530 (up 4.1% from a year earlier) as of August 2026.
Somers is a town located in northern Westchester County, New York. 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.
Also see the full 10589 market report on Realtor.com →Then view 10589 homes on Zillow →
Yorktown HeightsZIP 10598$749,900Wholesale
Yorktown Heights (10598) market snapshot
In addition, the Zillow Home Value Index is $743,529 (up 6.2% from a year earlier) as of August 2026.
Yorktown Heights is a census-designated place in the town of Yorktown in Westchester County, New York. Population: 1,884.
Also see the full 10598 market report on Realtor.com →Then view 10598 homes on Zillow →
YonkersZIP 10701$250,000Negotiate
Yonkers (10701) market snapshot
In addition, the Zillow Home Value Index is $634,250 (up 6.4% from a year earlier) as of August 2026.
Yonkers is a city in Westchester County, New York. 4 miles north of Marble Hill. Yonkers is a centrally located municipality within the New York metropolitan area. Downtown Yonkers is centered on Getty Square, where the municipal government is located. Population: 211,569 (2020 census).
Investor note: Large market: high deal volume and plenty of comps for pricing.
Also see the full 10701 market report on Realtor.com →Then view 10701 homes on Zillow →
BronxvilleZIP 10708$369,900Buy & hold
Bronxville (10708) market snapshot
In addition, the Zillow Home Value Index is $978,334 (up 8.8% from a year earlier) as of August 2026.
Bronxville is a village in Westchester County, New York, located approximately 15 miles north of Midtown Manhattan. It is part of the town of Eastchester. The village comprises one square mile of land in its entirety, approximately 20% of the town of Eastchester. Population: 6,656.
Also see the full 10708 market report on Realtor.com →Then view 10708 homes on Zillow →
Click a ZIP code to see its investing data, then compare markets. Market data: Realtor.com, October 2026, and Zillow Home Value Index, August 2026. Also, gross rent yield is 12 months of median rent divided by the median listing price; the max offer assumes repairs of 8% of the median price.
Antonio Stringfield
Probate investor · Los Angeles
Watch Antonio Stringfield share their experience using ForeclosuresDaily.com.
How do you build your buyers list in Westchester County?
Build your buyers list before you sign your first contract. Your best buyers are cash buyers who can close quickly, such as flippers, landlords, and small builders.
- First of all, attend local real estate investor meetups.
- Also, review recent cash sales in county records to find active buyers.
- Then connect with title companies, hard money lenders, and property managers.
- Finally, ask every buyer for their buy box: areas, price range, and rehab level.
What does assigning contracts mean in New York?
Assigning contracts means transferring your rights as the buyer under a purchase agreement to another investor. Your contract should allow assignment, and your buyer typically pays your assignment fee at closing.
Wholesaling is legal in most states, but the rules differ. Some states require disclosures or a real estate license for certain activities, so review your contracts with a New York real estate attorney before you start.
Nancy Wallace-Laab
Investor · nearly 20 years
Nancy focuses on the best outcome for both the seller and the investor, drawing on nearly 20 years of real estate investing experience.
ForeclosuresDaily off-market opportunities before your competition
In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.
Phillip Warrick
Full-time investor since 2003
Full-time real estate investor since 2003, with over 20 years of experience.
Wholesaling questions for Westchester County
How do you wholesale real estate in Westchester County?
First of all, find a motivated seller through probate, pre-foreclosure, or absentee-owner leads. Then sign a contract at a discount, and finally assign it to a cash buyer for a fee.
Is wholesaling legal in New York?
Wholesaling is legal in most states, but the rules vary. For example, some states require disclosures or a license for certain activities, so have a New York real estate attorney review your contracts.
How much can you make wholesaling in Westchester County?
Assignment fees vary by deal. For instance, a fee of about 3% on a home priced near the Westchester County median of $650,000 would be roughly $20,000.
Which Westchester County ZIP codes have the lowest entry prices?
Among the ZIP codes in this guide, the lowest median listing prices are in 10552 (Mount Vernon) at $220,000, 10701 (Yonkers) at $250,000, and 10708 (Bronxville) at $369,900, based on Realtor.com data from October 2026.
Where do Westchester County foreclosures come from?
Most start with missed mortgage payments, so pre-foreclosure filings appear months before an auction. As a result, investors who reach owners early can buy before the home is listed.
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