Selling in Westchester or the Bronx? Start with the numbers that actually matter.
Most sellers here are sitting on more equity than they think and less clarity than they need. This is the manual I hand my own clients: what the market is doing on your street, what the sale really costs, and what you would keep.
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Selling Your Home in Westchester & the Bronx
Most sellers here are sitting on more equity than they think and less clarity than they need.
Most sellers know what their home might be worth. Fewer know what they would actually keep.
Every homeowner has seen a number on a website. That number is not your money. Take out the mortgage, the cost of selling and what New York charges to transfer a deed, and what is left can look very different from what you pictured. Sometimes lower. Sometimes higher. Either way, guessing is the worst option, and it is the one most people are stuck with.
This guide separates the numbers so you can see which one you are actually looking at.
Home value is not equity. Equity is not net proceeds.
Sellers use these words as if they mean the same thing. They do not, and the gaps between them are where people get hurt.
Equity is a number on paper. You cannot spend it. Net proceeds is the money that lands in your account on closing day, and it is the only figure you can plan a move around. Tax is a separate question again, settled later with your CPA, based on your gain rather than your proceeds.
Ten questions, answered in plain English
Everything I get asked, in the order people ask it. Here are six of them.
What is my home actually worth today?
Forty-three months of OneKey® MLS medians, split by county and property type, plus a town-by-town table. Houses, condos and co-ops are moving in different directions right now.
What would I actually walk away with?
Every line that comes out of a New York closing, from the state transfer tax to co-op flip fees, and how they stack up against your payoff.
What if I give up my interest rate?
The question that stops the most people. Four ways to test it honestly, including the one comparison almost nobody runs.
Should I sell first, or buy first?
Why selling first usually wins in a market this tight, and how the gap gets covered in the contract instead of in a panic.
What should I fix, and what should I skip?
Where money comes back and where it does not. Includes the permit problem that stops more Westchester closings than anything else.
How do I price it so it sells?
What the first two weeks are telling you, and the two data sets that predict price best. Neither one is public.
Plus offers, inspections, appraisals, New York closings, and what the whole process actually looks like week by week.
Selling here has its own rules.
A national seller PDF will not tell you that New York requires an attorney, that an accepted offer binds nobody until contracts are signed, or that one Westchester ZIP code is split between two school districts with medians $245,000 apart.
This guide is built on OneKey® MLS data for Westchester County and the Bronx, and every process it describes is the one that runs here.
This guide is especially useful if…
Efrain Reyes
Real Expert Consulting · Brokered by Real Broker NY
I work Westchester County, the Bronx and the surrounding metro. I wrote this guide the way I advise clients: start with the numbers, understand the tradeoffs, then decide. Some people will read it and run their own sale. Good. They will do it well, because the process is written down.
Everything in this guide is what I would tell a friend, including the parts that make my job sound optional.
Licensed Real Estate Salesperson, State of New York, serving Westchester County, the Bronx and the surrounding NYC metro. I also hold an M.S. in Education Administration and teach high school. That is not a footnote: explaining a complicated decision clearly, to someone who has never faced it before, is the same job in both rooms.
What sellers say
“Efrain immediately presented impressive marketing plans, including professional photography and in-depth analysis of market conditions. Within a very short period he generated a great deal of interest, presented multiple offers, and strategically assisted me with the selection process. He took the time to educate me on every step of the selling process and did not rest until he delivered on our established financial goals.”
Ilsa Moreta · Seller · Kingsbridge, Bronx
“We were working with an agent for 7 months prior to Efrain and switching to him was the best decision we made. He has thoughtful strategies for selling homes, is highly informed on the ins and outs of closing, and found us a buyer that would get approved by the board within one month.”
Seller · Riverdale, Bronx
“I just closed on my coop in White Plains with Efrain and overall, had a great experience. Efrain is professional and his knowledge of the market resulted in a quick and seamless sale! I will be recommending Efrain to all of my friends and family.”
Seller · White Plains, Westchester County
Know the numbers before you make the move.
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