Chappaqua, NY—10514
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Chappaqua, NY
As of Oct '25, the median home price in Chappaqua, NY is $1,381,000, with a year-over-year change of 3.6%. This indicates that home prices in Chappaqua, NY are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,381,000 | 3.6% |
| Single Family | $1,416,000 | 3.7% |
| Condos | $710,000 | 1.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $769,000 | 1.7% |
3 Bed | $1,150,000 | 4.9% |
4 Bed | $1,509,000 | 3.9% |
| 5 Bed | $1,978,000 | 4.5% |
% of Housing Stock
Rental Trends — Chappaqua, NY
As of July '25, Rentcast reports the average rent in Chappaqua, NY is $5,070, with a year-over-year rent change of 15.0%. Per bedroom, the median rent as of July '25 in Chappaqua, NY is 1-bedrooms: $3,100, 2-bedrooms: $4,600, 3-bedrooms: $5,860, 4-bedrooms: $7,830. The most common rental property sizes in Chappaqua, NY are 2-bedroom and 1-bedroom, accounting for 62.5% and 23.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $5,000 | $5,070 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $3,100 | $3,100 |
| 2 Bed Rent | $4,800 | $4,600 |
| 3 Bed Rent | $6,000 | $5,860 |
| 4 Bed Rent | $8,000 | $7,830 |
% of Rental Stock
Property Listings — Chappaqua, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Chappaqua, NY is 59. This is a decrease of -22.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,240,000 | -24.0% |
Listing Count | 48 | 86.0% |
| Listings as % of Homes | 0.4% | 86.0% |
Days on Market | 59 | -22.0% |
Demographics — Chappaqua, NY
As of the latest ACS Survey released in 2023, Chappaqua, NY has a population of 12,200, which has decreased by -1.3% over the past 5 years. Chappaqua, NY is a popular place for families, as children make up 29.8% of the population. The area has a highly educated workforce, with 82.9% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 33.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,200 | -1.3% |
% Under 18 | 29.8% | 0.0% |
% Seniors | 14.8% | 21.3% |
% WFH | 33.4% | 438.7% |
% w/ College Degree | 82.9% | -6.4% |
As of the latest ACS Survey released in 2023, Chappaqua, NY is a predominantly white area, with 69.3% of the population identifying as white. The white population has shrunk by 17.7% in the last 5 years. The second most common race or ethnicity in Chappaqua, NY is asian, making up 12.7% of the population. Foreign-born residents account for 14.6% of the population in Chappaqua, NY, and this percentage has increased by 4.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 69.3% | -17.7% |
% Black | 4.0% | 110.5% |
% Hispanic | 8.6% | 330.0% |
% Asian | 12.7% | 22.1% |
% Foreign Born | 14.6% | 4.3% |
Mortgage and Risk — Chappaqua, NY
According to HUD data as of 2023, there were 273 mortgage originations in Chappaqua, NY, of which 98.0% of loans were conventional mortgages. The average loan-to-value was 54.0%, with 3.0% above 90% LTV (normal). This implies small mortgage risk in Chappaqua, NY. Investor activity is low, as 0.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 273 |
% Conventional Loans | 98.0% |
% Government Loans | 2.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Chappaqua, NY
As of 2024, the percent of homes in Chappaqua, NY under the Section 8 program is 2.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Chappaqua, NY, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 25 |
Total Units Section 8 | 14 |
% Rentals under Section 8 | 2.5% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $490 | $3,100 | $3,590 |
| 2 Bedroom | -$820 | $4,800 | $3,980 |
| 3 Bedroom | -$1,040 | $6,000 | $4,960 |
| 4 Bedroom | -$2,650 | $8,000 | $5,350 |
Affordability — Chappaqua, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $1,381,000 |
| Median Household Income | $250,000 |