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.

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 July 2026.

1
10537
Lake Peekskill, NY
$430,116
HavenScore: 56
2
12563
Patterson, NY
$477,261
HavenScore: 41
3
10512
Carmel, NY
$512,134
HavenScore: 52
4
10509
Brewster, NY
$531,102
HavenScore: 50
5
10579
Putnam Valley, NY
$625,845
HavenScore: 45
6
10541
Mahopac, NY
$629,662
HavenScore: 49
7
10516
Cold Spring, NY
$732,100
HavenScore: 43
8
10524
Garrison, NY
$764,359
HavenScore: 45

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.

Related pages

Frequently asked questions