Bedford, New York.
. New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- New York$2,755
- United States$1,922
Living in Bedford, Westchester County, New York
Bedford, in Westchester County, had 1,691 people in the 2020 census. 99% of its homes are lived in by their owners and 1% are rented. Unemployment in Westchester County was 4.0% in August 2026, and the county had 0.8% more jobs in 2025 than the year before. The most people in Westchester County work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bedford is a small community in Westchester County, and nearly everyone who lives here owns their home, a far higher share of owners than across the county as a whole. Adults here are far more likely to hold a four-year degree than in most places. Winters are cold, with January highs near freezing and lows well below it, and a fair amount of snow falls each year. Summers are warm, with July the hottest month, and rain and melted snow add up to a good deal over the year.
Work. Many residents work in schools, hospitals and social care, or in professional and business services, with others in banks, insurance and property, and in shops. Across Westchester County, some of the largest workplaces are Westchester Medical Center, PepsiCo and White Plains Hospital. Unemployment across the county is a little higher than a year ago, while the number of jobs has grown slightly.
Things to do. Close by, a short drive away, are Glass House, a museum, and Cross River Reservoir, a body of water good for a quiet walk. A longer drive brings you to the New York Botanical Garden, a large botanical garden, and the Bronx Zoo. The United States Military Academy, a museum, is also a longer drive away.
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- 721households
- 81%of adults have a degree
- 10%below the poverty line
What people in Westchester County work in
Employed residents by industry, from the Census survey. Westchester County had 433,070 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 22°; warmest in July, with highs near 85° and lows near 64°. About 34 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Stamford North weather station, 7 miles away (NOAA).
Largest workplaces in Westchester County
- Westchester Medical CenterGeneral hospital4,340FTE
- Yonkers City School DistrictSchool district3,450FTE
- PepsiCoOffice administrative services3,117
- White Plains HospitalGeneral hospital2,984FTE
- A&A MaintenanceJanitorial services2,750
- St. Johns Riverside HospitalGeneral hospital1,819FTE
- Phelps Memorial Hospital CenterGeneral hospital1,796FTE
- Northern Westchester HospitalGeneral hospital1,720FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 483 workplaces with 20 or more staff, 79,918 people in all across the county; Bedford has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- LandslidesRelatively moderate
- HurricanesRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bedford’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Westchester County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Bedford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Sellers are cutting prices on about 1 in 11 Bedford listings — the market is roughly in balance.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Bedford9.01%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bedford23
New listings per month
Sellers arriving at the market.
- Bedford8
Zip codes with a Bedford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bedford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.