Cheapest ZIPs in Putnam County, NY

No ZIP in Putnam County, NYclears the HavenScore: 60 quality floor this month — in high-cost counties, low prices and strong scores rarely overlap. Below is the affordable end anyway: the county’s most affordable scored ZIPs, ranked by median home value with each ZIP’s score shown. Refreshed October 2026.

  1. 1
    10537
    Lake Peekskill, NY
    $433,082
    HavenScore: 59
  2. 2
    12563
    Patterson, NY
    $482,494
    HavenScore: 45
  3. 3
    10512
    Carmel, NY
    $515,970
    HavenScore: 53
  4. 4
    10509
    Brewster, NY
    $537,526
    HavenScore: 50
  5. 5
    10579
    Putnam Valley, NY
    $632,493
    HavenScore: 49
  6. 6
    10541
    Mahopac, NY
    $636,670
    HavenScore: 50
  7. 7
    10516
    Cold Spring, NY
    $744,582
    HavenScore: 45
  8. 8
    10524
    Garrison, NY
    $780,832
    HavenScore: 43

Related pages

Frequently asked questions

Why doesn't this list use the usual quality floor?
Cheapest-ZIPs lists normally include only ZIPs with HavenScore: 60 or above. No ZIP in Putnam County, NY clears that floor this month, so this page shows the county's most affordable scored ZIPs instead — with each ZIP's HavenScore shown, so the trade-off stays visible.
How is "most affordable" measured here?
ZIPs are ranked by median home value from lowest to highest across every scored ZIP in Putnam County, NY. Because no ZIP clears the quality floor this month, no score filter is applied to this list.
How often is this list updated?
This page refreshes monthly when our pipeline ingests new data from Zillow, Redfin, Census, FHFA, and FRED.