White Plains

Compare Current White Plains, New York Mortgage Rates

Compare White Plains, NY mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in White Plains.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in White Plains. Plus, shopping lenders is free and there is no obligation.

White Plains, NY Mortgage Rates as of November 30, 2022
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's White Plains, NY Mortgage Rates

November 30, 2022

Current mortgage rates in White Plains, NY are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
White Plains, NY Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in White Plains, New York?

Below we provide helpful information on the real estate market, home prices and housing affordability in White Plains. Understand how much you need to earn to afford a home in White Plains, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in White Plains fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in White Plains is right for you.

The median home value for White Plains, NY (Westchester County) is $647,785

Based on current mortgage rates and a 10% down payment, you need to make $106,137 per year to buy the median priced home in White Plains

With this income, you could qualify for a $583,007 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in White Plains is $2,458

The median household income for White Plains, NY (Westchester County) is $110,150

Based on this income, you can afford a home valued at approximately $672,275

The home price you can afford to buy based on household income in White Plains is 104% of the median home value which means housing prices are average. White Plains (Westchester County) ranks 57 out of 62 counties in New York and 2,995 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in White Plains, NY is average


Loan Limits for White Plains, New York

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for White Plains (Westchester County) below.

Conforming loan limits for White Plains, NY

1 unit: $970,800
2 units: $1,243,050
3 units: $1,502,475
4 units: $1,867,275

FHA loan limits for White Plains, NY

1 unit: $970,800
2 units: $1,243,050
3 units: $1,502,475
4 units: $1,867,275

VA loan limits for White Plains, NY

1 unit: $970,800

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