Westchester Carrying Cost Calculator
Mortgage, property taxes, insurance and upkeep, monthly, for fifteen Westchester towns. Tax estimates combine the published school, town, village, county and district rates for each place; the listing’s current taxes are more accurate when you have them.
| Mortgage (principal + interest) | $9,314 |
| Property taxes (estimate) | $3,241 |
| Insurance | not entered |
| Upkeep and grounds | $1,775 |
| Utilities | not entered |
True economic cost adds what the down payment and closing cash could earn (4.5%) and spreads closing and resale costs over a 7-year hold, less principal paid down. Buyer closing costs ($60,395) come from the Westchester closing-cost calculator.
$38,894 a year, likely $33,060–$44,728.
Sum of published rates times assessment ratio: (3.149733 + 5.457735 + 18.116598 + 0.407376 + 0.757721 = 27.8892 per $1,000 assessed) x 0.6973 assessment ratio = 19.447 per $1,000 of market value (1.9447%).
- Mailing addresses do not follow tax lines: some Scarsdale-addressed homes are in the Town of Greenburgh (Edgemont or Greenburgh Central 7) or Eastchester, with different rates.
- About 2,100 parcels are in the Scarsdale Mamaroneck Valley sewer district (0.911742) instead of Bronx Valley (0.757721), and about 300 in Hutchinson Valley (0.767811); the difference is roughly $0.11 per $1,000 of value.
- Scarsdale's roll sits at about 70% of market value (2025 residential ratio 69.73%); a revaluation would reset individual bills.
- STAR, senior, veteran and other exemptions on the seller's bill do not transfer to a buyer; quote the full, pre-exemption tax.
- New York does not reassess on sale, so the buyer inherits the current assessment; a home assessed below or above the area average will be taxed below or above this estimate.
Sources and rates (checked 2026-10-12)
- Westchester County general (Town of Scarsdale): 3.149733 per $1,000 assessed (2025) · source
- Village of Scarsdale (no separate town rate): 5.457735 per $1,000 assessed (2025-26) · source
- Scarsdale UFSD: 18.116598 per $1,000 assessed (2025-26) · source
- County Refuse Disposal District #1: 0.407376 per $1,000 assessed (2026) · source
- Bronx Valley County Sewer District: 0.757721 per $1,000 assessed (2026) · source
- Residential assessment ratio (Town/Village of Scarsdale, SWIS 555000): 0.6973 ratio (2025 rate year) · source
Weighing a move from an NYC apartment?
Send the town and your price range. We’ll set the monthly cost here against what you carry in the city today, and how the sale and purchase fit together.
The Roebling Team at Compass is a New York–licensed practice concentrated in Manhattan. For Westchester transactions, we typically collaborate with Compass agents specializing in Westchester market — clients get on-the-ground expertise on local inventory and dynamics while keeping the analytical framework consistent across their NY portfolio. This calculator is an informational research tool, not solicitation of representation.
For trans-market clients (Manhattan + Westchester portfolios) or to discuss your specific transaction, schedule a consultation. Where appropriate, we’ll introduce you to a vetted Compass agent specializing in Westchester.