Valley Cottage, NY—10989
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Valley Cottage, NY
As of Oct '25, the median home price in Valley Cottage, NY is $636,000, with a year-over-year change of -1.1%. This indicates that home prices in Valley Cottage, NY are decreasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $636,000 | -1.1% |
| Single Family | $684,000 | -1.3% |
| Condos | $344,000 | 0.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $314,000 | -1.3% |
2 Bed | $407,000 | -1.0% |
3 Bed | $651,000 | 0.9% |
4 Bed | $763,000 | 1.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Valley Cottage, NY
As of July '25, Rentcast reports the average rent in Valley Cottage, NY is $3,020, with a year-over-year rent change of 7.9%. Per bedroom, the median rent as of July '25 in Valley Cottage, NY is 1-bedrooms: $2,440, 2-bedrooms: $2,850, 3-bedrooms: $3,380. The most common rental property sizes in Valley Cottage, NY are 2-bedroom and 1-bedroom, accounting for 56.6% and 36.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,800 | $3,020 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,400 | $2,440 |
| 2 Bed Rent | $2,800 | $2,850 |
| 3 Bed Rent | $3,250 | $3,380 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Valley Cottage, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Valley Cottage, NY is 49. This is a increase of 50.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 13.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $650,000 | 11.0% |
Listing Count | 31 | 22.0% |
| Listings as % of Homes | 0.4% | 22.0% |
Days on Market | 49 | 50.0% |
Demographics — Valley Cottage, NY
As of the latest ACS Survey released in 2023, Valley Cottage, NY has a population of 8,410, which has decreased by -9.6% over the past 5 years. Valley Cottage, NY is a moderately popular place for families, as children make up 16.3% of the population. The area has a highly educated workforce, with 57.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 18.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,410 | -9.6% |
% Under 18 | 16.3% | -17.7% |
% Seniors | 28.2% | 33.6% |
% WFH | 18.9% | 361.0% |
% w/ College Degree | 57.8% | 12.7% |
As of the latest ACS Survey released in 2023, Valley Cottage, NY is a predominantly white area, with 67.2% of the population identifying as white. The white population has grown by 7.9% in the last 5 years. The second most common race or ethnicity in Valley Cottage, NY is hispanic, making up 13.2% of the population. Foreign-born residents account for 20.7% of the population in Valley Cottage, NY, and this percentage has increased by 1.5% 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 | 67.2% | 7.9% |
% Black | 6.0% | -31.8% |
% Hispanic | 13.2% | -13.7% |
% Asian | 11.9% | 6.2% |
% Foreign Born | 20.7% | 1.5% |
Mortgage and Risk — Valley Cottage, NY
According to HUD data as of 2023, there were 136 mortgage originations in Valley Cottage, NY, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Valley Cottage, NY. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 136 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Valley Cottage, NY
Valley Cottage, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 1.9% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $760 | $2,400 | $3,160 |
| 2 Bedroom | $700 | $2,800 | $3,500 |
| 3 Bedroom | $1,110 | $3,250 | $4,360 |
| 4 Bedroom | N/A | N/A | $4,710 |
Affordability — Valley Cottage, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $636,000 |
| Median Household Income | $132,000 |