How much do homeowners pay a month in Valley Cottage, NY?

Name: Homeowner costs in Valley Cottage, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Valley Cottage, NY pay a median of $3,519 (±$280) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

62.5% of owned homes carry a mortgage.

In Valley Cottage, the median monthly cost with a mortgage went from $3,056 in 2015–2019 to $3,519 in 2020–2024 (+15.2%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $3,519 (±$280)
Without a mortgage: $1,500 or more
Owned with a mortgage: 62.5%

Monthly owner costs in Valley Cottage

Median selected monthly owner costs, estimate (90% margin of error)
	Valley Cottage	Rockland County	New York	United States
With a mortgage	$3,519 (±$280)	$3,641 (±$58)	$2,555 (±$9)	$1,963
Without a mortgage	$1,500 or more	$1,500 or more	$958 (±$5)	$638
Owned homes with a mortgage	62.5% (±7.9 points)	63.1% (±1.4 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Valley Cottage, the median cost with a mortgage is not measurably different from Rockland County ($3,641).

It is also higher than in New York ($2,555).

It is higher than the national figure ($1,963).

In Rockland County, Valley Cottage ranks 12 of 17 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 125 of 404.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Valley Cottage have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$3,056 (±$133)	$3,519 (±$280)	+15.2%	No measurable change after inflation
Median home value	$401,200 (±$19,307)	$544,100 (±$48,218)	+35.6%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Valley Cottage

Nearest places with a published estimate, compared with Valley Cottage
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Valley Cottage	—	$3,519 (±$280)	—
Village of Upper Nyack	1.7 mi	$4,000 or more	—
Bardonia	1.9 mi	$4,000 or more	—
West Nyack	2.1 mi	$3,138 (±$615)	Not measurably different
Village of Nyack	2.1 mi	$3,707 (±$287)	Not measurably different
Congers	2.3 mi	$3,531 (±$172)	Not measurably different
Blauvelt	3.3 mi	$4,000 or more	—
New City	3.5 mi	$4,000 or more	—
Village of Grand View-on-Hudson	3.8 mi	$4,000 or more	—

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Rockland County, place by place

Rank	Place	Median monthly cost with a mortgage
6	Sparkill	$3,860 (±$382)
7	Tappan	$3,823 (±$179)
8	Pearl River	$3,663 (±$138)
9	Orangeburg	$3,640 (±$582)
10	Thiells	$3,546 (±$315)
11	Congers	$3,531 (±$172)
12	Valley Cottage	$3,519 (±$280)
13	Nanuet	$3,436 (±$247)
14	Stony Point (community)	$3,419 (±$141)
15	Hillcrest	$3,233 (±$160)
16	West Nyack	$3,138 (±$615)
17	Mount Ivy	$2,738 (±$373)

Showing 12 of 17 places in Rockland County, ranked from highest to lowest.

Valley Cottage is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside the Town of Clarkstown, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Valley Cottage

What is the average mortgage payment in Valley Cottage?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Valley Cottage, NY is $3,519 (±$280) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Valley Cottage?

Owners without a mortgage in Valley Cottage pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Valley Cottage gone up?

In Valley Cottage, the median monthly cost with a mortgage went from $3,056 in 2015–2019 to $3,519 in 2020–2024 (+15.2%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Valley Cottage CDP, New York (place:76661, in state:36).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.