ZIP Code 10604 — White Plains, NY Home Prices (2026)

The typical home in ZIP 10604 (White Plains, New York) is worth about $955,000 at roughly $459 per square foot — 17% more expensive than the White Plains median and 225% more expensive than the typical U.S. home.

$955,000

Typical home value

$459

Price per sq ft

#2 of 6

White Plains ZIPs by value

+17%

vs White Plains median

How 10604 compares

ZIP 10604 is one of the pricier ZIP codes in White Plains: its typical home value of $955,000 ranks #2 of the 6 White Plains ZIP codes we track (the citywide range runs from $492,000 in 10601 to $1,021,000 in 10605). Per square foot it costs about $459, against $410 for White Plains as a whole, $247 for New York, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 10604	$955,000	$459
White Plains, NY	$813,000	$410
New York	$338,000	$247
United States	$294,000	$195

Home value by size in 10604

Using this ZIP’s rate of about $459 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$459,000
1,500 sq ft	$688,500
2,000 sq ft	$918,000
2,500 sq ft	$1,147,500
3,000 sq ft	$1,377,000

Salary needed to buy a home in ZIP 10604

To buy the typical $955,000 home in ZIP 10604 with 20% down, you need a household income of roughly $260,000 a year (about $6,060 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $309,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$47,800	$7,540/mo	$323,000/yr
10% (+PMI)	$95,500	$7,200/mo	$309,000/yr
20%	$191,000	$6,060/mo	$260,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 10604

At about $459 per square foot, here is roughly how much home different budgets get you in ZIP 10604:

Budget	Approx. size	What that looks like locally
$500k	1090 sq ft	below the local median — condos, smaller or older homes
$600k	1310 sq ft	below the local median — condos, smaller or older homes
$750k	1630 sq ft	below the local median — condos, smaller or older homes
$1.00M	2180 sq ft	around the typical home here
$1.50M	3270 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 10604 home.

Estimate a specific home in 10604

The estimator below is pre-set to ZIP 10604 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All White Plains ZIP codes by home value

Where 10604 sits among White Plains’s 6 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	10605	$1,021,000	$381
2	10604 (this page)	$955,000	$459
3	10607	$852,000	$423
4	10606	$774,000	$396
5	10603	$684,000	$364
6	10601	$492,000	$470

ZIP 10604 home prices: frequently asked

What is the average home price in ZIP code 10604? +

The typical home in ZIP 10604 (White Plains, NY) is worth about $955,000 as of 2026. That is 17% more expensive than the White Plains median of $813,000 and 225% more expensive than the U.S. median of $294,000.

What is the price per square foot in 10604? +

About $459 per square foot in 10604, versus $410 across White Plains and $247 across New York. At that rate a 1,500 sq ft home runs roughly $688,500 and a 2,500 sq ft home about $1,147,500.

What salary do you need to buy a house in ZIP 10604? +

For the typical $955,000 home in ZIP 10604, a household income of about $260,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $309,000; with 5% down about $323,000.

Is 10604 an expensive ZIP code? +

Within White Plains, 10604 ranks #2 of 6 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in White Plains. Nationally it is relatively expensive.

See the full White Plains home values page, all New York cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.