I believe you asked this question yesterday in a way that Realtors cannot answer. However, discussing realtive pricing is fine. I can speak to Yonkers and can tell you that regardless if you are looking for a house, condo or coop, Yonkers has some of the most afforable pricing in Westchester. The best way to go about this is to first speak to your bank and discuss what you can afford. Lending guidelines have been tightened as you know so this is a very important step. One you have this information and know how much you can put down as a downpayment, then you can start searching. My website has the entire Westchesr MLS on it for searching by price and area, and there are other sites as well. Once you find things that interest you, a Realtor can help you figure out where they are located in the city, and you can take a look at them. In the end you have to decide what you like and do not like. People opinions are just that - opinions. Opinions can be useful but sometimes they are not so take them with skepticsm. You need objective information and a personal inspection to really make a decision properly. Good luck!