Westchester County, New York · Wholesaling

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.

Assign contractsCash buyersProbate leadsPre-foreclosureAbsentee owners

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Westchester County, New York areas and ZIP codes map for real estate investors
$650,000
Median listing price (down 11%)
2,372
Active listings in Westchester County
52 days
Average time on market
$3,400
Median rent

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.

Carolynn Castillo, ForeclosuresDaily.com customer

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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

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Local market snapshot

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.

Westchester County wholesale real estate investors finding off-market deals
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Step-by-step

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.

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Andrew Litchfield
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Targeted real estate lead generation

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.

Probate LeadsExecutors who must sell before the estate can close.Get probate leads →Pre-Probate LeadsFamilies who may sell before a probate case is filed.See pre-probate leads →Inheritance LeadsHeirs who want to sell because they will not keep the home.View inheritance leads →Foreclosure LeadsOwners behind on payments who want to sell before auction.Explore foreclosure leads →Divorce LeadsCouples who must sell when they divide shared assets.Find divorce leads →Eviction LeadsTired landlords who want out because of problem tenants.Browse eviction leads →Code Violation LeadsOwners facing fines because of open violations and costly repairs.Check code violation leads →Tax DelinquencyOwners behind on property taxes who need cash soon.Target tax-delinquent owners →Absentee Owner LeadsOut-of-area owners, especially those far from the property.Reach absentee owners →Life Leads & FSBOOwners selling on their own rather than with an agent.Shop all lead products →
Anthony Coletti, ForeclosuresDaily.com customer

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Anthony Coletti
Real estate investor

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Find a deal

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

ARV$650,000
70% of ARV − repairs ($52,000)$403,000
Your assignment fee− $20,000
Your contract price$383,000
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Zip codes

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, choose a ZIP code from the menu 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

$1,570,000 ▲ 30.8%Median listing price
$560Price per sq ft
94 days ▲ 58.8%Days on market
$5,900 ▲ 22.9%Median rent
21 ▼ 54.5%Active listings
4.5%Gross rent yield

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.

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 →

HarrisonZIP 10528$1,649,000Flip

Harrison (10528) market snapshot

$1,649,000 ▲ 8.1%Median listing price
$489Price per sq ft
50 days ▼ 15.3%Days on market
$6,600 ▲ 5.6%Median rent
23 ▲ 27.3%Active listings
4.8%Gross rent yield

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.

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 →

LarchmontZIP 10538$1,199,500Flip

Larchmont (10538) market snapshot

$1,199,500 ▲ 59.9%Median listing price
$622Price per sq ft
54 days ▲ 0.9%Days on market
$4,169 ▲ 30.3%Median rent
25Active listings
4.2%Gross rent yield

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.

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 →

Mount VernonZIP 10552$220,000Buy & hold

Mount Vernon (10552) market snapshot

$220,000 ▼ 2.2%Median listing price
$250Price per sq ft
58 days ▼ 21.6%Days on market
$3,000 ▲ 23.7%Median rent
75 ▲ 21.9%Active listings
16.4%Gross rent yield

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.

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 →

Rye BrookZIP 10573$489,000Negotiate

Rye Brook (10573) market snapshot

$489,000 ▼ 37.9%Median listing price
$399Price per sq ft
33 days ▼ 56%Days on market
$3,000 ▼ 7%Median rent
45 ▲ 27.3%Active listings
7.4%Gross rent yield

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.

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 →

SomersZIP 10589$650,000Negotiate

Somers (10589) market snapshot

$650,000 ▼ 3.3%Median listing price
$435Price per sq ft
40 days ▲ 11.1%Days on market
$4,300 ▲ 15.4%Median rent
36 ▲ 15%Active listings
7.9%Gross rent yield

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.

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 →

Yorktown HeightsZIP 10598$749,900Wholesale

Yorktown Heights (10598) market snapshot

$749,900 ▲ 8.8%Median listing price
$405Price per sq ft
45 days ▼ 33.8%Days on market
$3,975 ▼ 3%Median rent
95Active listings
6.4%Gross rent yield

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.

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 →

YonkersZIP 10701$250,000Negotiate

Yonkers (10701) market snapshot

$250,000 ▼ 36.5%Median listing price
$273Price per sq ft
60 days ▲ 17.6%Days on market
$2,650 ▲ 7.1%Median rent
105 ▼ 1.5%Active listings
12.7%Gross rent yield

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.

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 →

BronxvilleZIP 10708$369,900Buy & hold

Bronxville (10708) market snapshot

$369,900 ▲ 6%Median listing price
$365Price per sq ft
62 days ▼ 3.1%Days on market
$3,550 ▲ 3.6%Median rent
103 ▲ 12.8%Active listings
11.5%Gross rent yield

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.

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 →

Choose a ZIP code from the menu 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, ForeclosuresDaily.com customer

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Antonio Stringfield
Probate investor · Los Angeles

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Cash buyers

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.
Contracts

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, ForeclosuresDaily.com customer

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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.

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In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.

Not on the MLSHomes for sale privately, before any listing.
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Fresh leadsNew records added every day.
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More guides

More wholesaling guides in New York

Compare nearby markets before you choose where to farm. For example, these local guides cover other New York cities and counties:

Albany County · Bronx County · Dutchess County · Erie County · Kings County · Monroe County · Nassau County · New York County · Onondaga County · Orange County

Also, see Wholesaling Real Estate for Profit for the profit math and guides in every state.

FAQ

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.

Get Westchester County wholesale leads today

Fresh, targeted, off-market data for Amawalk, Chappaqua, Harrison, and beyond.
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