White Plains / Bedford
Bedford is about 15 miles from the Census center point for White Plains in a straight line and covers 37.508 square miles of land (Census 2024 Gazetteer internal points and land area, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/, checked 2026-10-19).
Bedford has 16,722 residents (give or take 27) (ACS 2020-2024 5-year, table B01003, https://data.census.gov/table/ACSDT5Y2024.B01003?g=060XX00US3611905320, checked 2026-10-19), about 446 people per square mile.
The quote form takes a ZIP code; for Bedford that is 10506, 10507, 10536, 10549 (Census 2020 ZCTA to county subdivision and ZCTA to place relationship files, ZIP areas at least 20% inside the town, https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_cousub20_natl.txt and https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_place20_natl.txt, checked 2026-10-19).
Bedford is spread out at 446 people per square mile across 37.508 square miles of land, so a long refrigerant line run between the outdoor unit and the farthest indoor head is the sizing question an installer checks first.
Of the 5,438 occupied homes in Bedford, 15% heat with natural gas, 58% with heating oil, 15% with electricity and 11% with propane (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=060XX00US3611905320, checked 2026-10-19).
Bedford has 30 points more oil heat than Westchester County as a whole, where 28% of homes burn oil, and 1 points more electric heat than the county's 14% (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=050XX00US36119, checked 2026-10-19).
Heating oil is the largest single fuel in Bedford at 58%, ahead of gas at 15%, so the usual job here is an oil boiler or furnace coming out and a cold-climate heat pump going in, with the oil tank removed.
The median Bedford home was built in 1963 (ACS 2020-2024 5-year, table B25035, https://data.census.gov/table/ACSDT5Y2024.B25035?g=060XX00US3611905320, checked 2026-10-19) and the median home has 7.3 rooms (ACS 2020-2024 5-year, table B25018, https://data.census.gov/table/ACSDT5Y2024.B25018?g=060XX00US3611905320, checked 2026-10-19).
Bedford has 6,140 housing units, 26% built before 1940 and 74% before 1980, with 8% built in 2000 or later (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=060XX00US3611905320, checked 2026-10-19).
Bedford has 3 points fewer homes built after 2000 than the county's 11% (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=050XX00US36119, checked 2026-10-19).
74% of Bedford homes were built before 1980 and only 8% in 2000 or later (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=060XX00US3611905320, checked 2026-10-19), so most of the stock predates modern insulation codes; the installer's heat-loss calculation, not a square-footage rule, decides the tonnage.
78% of Bedford homes are single-family detached, 9% are in two- to four-unit buildings and 7% are in buildings of five or more units (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=060XX00US3611905320, checked 2026-10-19).
With 78% detached houses and 9% in small multi-family buildings, a Bedford quote is usually one or two outdoor units with ducted or ductless heads sized room by room. With 20% of Bedford homes rented (ACS 2020-2024 5-year, table B25003, https://data.census.gov/table/ACSDT5Y2024.B25003?g=060XX00US3611905320, checked 2026-10-19), the landlord signs the quote in many of them.
Bedford has 35 points more detached houses than Westchester County overall (43%) and 28 points fewer five-plus-unit buildings than the county's 35% (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=050XX00US36119, checked 2026-10-19).
No electric utility is on file for Bedford on this door yet, so this page does not name one; the name on the bill decides which rebate path applies.
NYS Clean Heat (Con Edison), run by Con Edison, is a live program for New York addresses and lists a standard figure of $7,000 (registry row 5 verified 2026-10-16, https://www.coned.com/en/save-money/rebates-incentives-tax-credits/rebates-incentives-tax-credits-for-residential-customers/electric-heating-and-cooling-technology-for-renters-homeowners/save-on-a-central-air-source-heat-pump, checked 2026-10-16); confirm eligibility for the Bedford address before counting it. With 15% of Bedford homes already on electric heat and 84% on gas, oil or propane, the row that applies depends on the name on the electric bill and the fuel coming out.
Median household income in Bedford is $196,034 (ACS 2020-2024 5-year, table B19013, https://data.census.gov/table/ACSDT5Y2024.B19013?g=060XX00US3611905320, checked 2026-10-19); many state and utility heat pump rebate programs set higher incentive tiers for income-qualifying households, so the household income on the application, not the town median, decides which level applies.
Heating design temperature: 6F. Source: ENERGY STAR Design Temperature Limit Reference Guide (2019 Edition), Westchester County row, 99% heating, PDF pages 84 to 86 of 141 (Revised 11/11/2020), https://www.energystar.gov/sites/default/files/Design%20Temperature%20Limit%20Reference%20Guide%20(2019%20Ed)%20-%20ENERGY%20STAR%20Single-Family%20New%20Homes_Rev11.pdf, fetched 2026-10-19, 99%.
That 6F figure is the Westchester County cold-day number a Bedford heat pump is sized against, so ask the installer to show the system's heating output at 6F, not at the milder rating-label temperature.
Ask what happens to the oil tank, since 58% of the 5,438 occupied Bedford homes have one and removal is usually a separate line on the quote.
Ask for the heat-loss calculation room by room; the median Bedford home has 7.3 rooms and was built around 1963, and the count of heads and the tonnage follow the rooms and the insulation, not the square footage.
The form on this page is the follow-up for Bedford. The public number is the number the contractor quotes from.
No local contractor is named on this door for Bedford yet. A request from this page goes to the first licensed shop that takes the door.