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City · 10,557 residents · Rockland County, New York

Chestnut Ridge , New York

In Chestnut Ridge, a typical home is worth $720,100 and typical rent is $1,710 a month. Compared with all of Rockland County, the typical home value is 21% higher, typical rent is 10% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $720,100

    21% above the county

    70% above New York

    • Chestnut Ridge
    • Rockland
    • New York

  • Typical rent

    $1,710a month

    10% below the county

    5% above New York

    • Chestnut Ridge
    • Rockland
    • New York

  • Typical household income

    $111,725a year

    About the same as the county

    30% above New York

    • Chestnut Ridge
    • Rockland
    • New York

  • Households that own their home

    76%

    8 points above the county

    22 points above New York

    • Chestnut Ridge
    • Rockland
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Chestnut Ridge is in Rockland County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Rockland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chestnut Ridge apart

What this place has that others do not, from public data, most unusual first.

  1. Chestnut Ridge has the 9th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (33%).

  2. Nearby, in Spring Valley, the typical home value is $381,800: 47% less than in Chestnut Ridge ($720,100).

  3. Nearby, in Kaser, the typical rent is $1,341: 22% less than in Chestnut Ridge ($1,710).

  4. The typical home in Chestnut Ridge is worth $720,100, 21% more than in Rockland County as a whole ($596,900).

  5. 76% of households in Chestnut Ridge own their home, against 68% in Rockland County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Chestnut Ridge

What homes there are in Chestnut Ridge, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 84% of homes here, against 57% in Rockland County.

Year built

In Chestnut Ridge, half of the homes were built before 1967; in Rockland County, before 1971.

In Chestnut Ridge, 86% of homes have 3 bedrooms or more, more than in Rockland County (67%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Owners with a mortgage

67%

Rockland County: 63%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Chestnut Ridge gained value faster than in Rockland County: 46% against 35%.

The typical rent in Chestnut Ridge stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureChestnut RidgeRockland CountyNew YorkUnited States
Rental vacancy Unreliable estimate2.6%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room 6.5%6.9%5.3%3.4%
People per household 3.703.222.492.53
Drive alone 61%65%49%69%
Carpool 9%10%6%9%
Public transit Unreliable estimate6%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 18%13%15%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 6.5% of households in Chestnut Ridge live, near the figure in Rockland County (6.9%).

Households in Chestnut Ridge are bigger: 3.70 people on average; in Rockland County, 3.22.

Many people here do not commute at all: 18% work from home; in Rockland County, 13%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Chestnut Ridge?

A typical home costs more than the typical income allows

We start with a typical home in Chestnut Ridge, worth $720,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 67% of the typical household income in Chestnut Ridge, which is $111,725 a year. For that payment to be 28% of income, a household would need to earn about $267,536 a year.

The calculator's FHA and conventional loan limits are those of all of Rockland County.

Your numbers

Local data
$

Starts at the typical home value in Chestnut Ridge. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $25,204 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$6,243

at 7.18% · 30 years

Loan amount
$707,057
Total interest
$1,017,289
Paid off in
November 2056

Includes $12,161 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,607 a month

  • Tight

    $2,607 to $3,352 a month

  • Hard

    more than $3,352 a month

    Your payment · 67%

Compared with the typical household income in Chestnut Ridge ($111,725 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,243
Principal & interest$4,790
Property tax$834
Home insurance$300
FHA mortgage insurance (MIP)$318

You need at least $25,204 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Chestnut Ridge and Rockland County

Chestnut Ridge is in Rockland County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Chestnut Ridge's own numbers

Typical home value
$720,100
Typical monthly rent
$1,710
Typical yearly household income
$111,725
Households that own their home
76%
Effective property tax rate
1.39%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Rockland County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,971
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Rockland County.

Everything about Rockland County

Buying

Buying a home in Chestnut Ridge

A typical home in Chestnut Ridge is worth $720,100: 21% above the county and 70% above New York. With the typical household income in Chestnut Ridge ($111,725 a year), a typical home costs 6.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Chestnut Ridge 6.4 years
  • Rockland 5.4 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rockland County

According to FHFA’s house price index, home prices in Rockland County rose 83% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Rockland County.

Period County New York U.S.
Last year (2025) +4.8% +6.0% +2.9%
5 years (2020–2025) +56% +52% +47%
10 years (2015–2025) +83% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Chestnut Ridge next to Rockland County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Chestnut Ridge $720,100
  • Rockland $596,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Chestnut Ridge $1,710
  • Rockland $1,901
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Chestnut Ridge $111,725
  • Rockland $109,959
  • New York $85,974
  • United States $80,734
See the full table
Chestnut Ridge next to Rockland County and New York
Measure Chestnut Ridge Rockland County New York U.S.
Typical home value $720,100 $596,900 $423,800 $332,700
Typical monthly rent $1,710 $1,901 $1,621 $1,413
Typical yearly household income $111,725 $109,959 $85,974 $80,734
Households that own their home 76% 68% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.39% 1.68% 1.55% 0.94%
Renters with high rent for their income 33% 63% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rockland County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Chestnut Ridge

For a typical $720,100 home in Chestnut Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chestnut Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,243a month

    Least cash to close
    Down payment
    $25,204
    Cash to close
    $46,807
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $318

  • Conventional, 5% down $6,111a month

    Down payment
    $36,005
    Cash to close
    $57,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $342

  • Conventional, 20% down, no PMI $5,037a month

    Down payment
    $144,020
    Cash to close
    $165,623
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,702a month

    Down payment
    $108,015
    Cash to close
    $129,618
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Chestnut Ridge and for Rockland County.

Property tax

Effective rate in Chestnut Ridge

1.39%of the home’s value each year

$10,001 a year for the typical owner in Chestnut Ridge.

  • Chestnut Ridge 1.39%
  • Rockland 1.68%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Rockland County

FEMA does not publish these numbers by city: they are for all of Rockland County.

Homes in the high-risk zone
1%
793
Of those, with NFIP insurance
50%
County New York U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 50% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chestnut Ridge

Typical rent in Chestnut Ridge is $1,710 a month: 10% below the county. In Chestnut Ridge, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rockland County, by unit size. To pay the 2-bedroom one ($2,971 a month) without spending more than 30% of your income, you would need to earn $57.13 an hour working full time.

HUD fair market rent for all of Rockland County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,593 $49.87 $103,720
1 bedroom $2,729 $52.48 $109,160
2 bedrooms $2,971 $57.13 $118,840
3 bedrooms $3,760 $72.31 $150,400
4 bedrooms $4,121 $79.25 $164,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Chestnut Ridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chestnut Ridge has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,660 in 10977 to $2,790 in 10952.

None is above the fair market rent for Rockland County ($2,971).

  • 10952 $2,790$3,530
  • 10977 $2,660$3,370

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chestnut Ridge when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Chestnut Ridge

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Rockland County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Chestnut Ridge

No down payment, repair or rent-help program on our list is for Chestnut Ridge or Rockland County. The ones below are statewide in New York: they work in Chestnut Ridge the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Chestnut Ridge

The HUD-approved agencies closest to the center of Chestnut Ridge, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Rockland Housing Action Coalition

    475 Route 304, New City · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (845) 708-5799

  • Housing Action Council Inc.

    55 S Broadway, Tarrytown · 10 miles away

    • Pre-purchase counseling
    (914) 332-4144

  • Cambridge Credit Counseling Corporation - New York Branch

    245 Saw Mill River Road, Hawthorne · 13 miles away · Spanish

    Also serves in Polish.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (888) 656-4396

Every agency in Rockland County All counseling agencies in New York

Help in Spanish near Chestnut Ridge

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Chestnut Ridge

In HUD’s record, no housing authority with an office in Rockland County is named for Chestnut Ridge or Rockland County.

6 other authorities have an office in Rockland County: see the list Source: HUD

Cities

Other cities in Rockland County

These cities are also in Rockland County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Rockland County Housing in New York
See 10 more cities in Rockland County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Chestnut Ridge, with the typical home value.

Neighboring counties

If Rockland County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Chestnut Ridge.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Chestnut Ridge

Short answers with the numbers for Chestnut Ridge and all of Rockland County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Chestnut Ridge?

The typical home value in Chestnut Ridge is $720,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rockland County it is $596,900.

How much does it cost to rent in Chestnut Ridge?

Typical rent in Chestnut Ridge is $1,710 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rockland County is $2,971.

What is the FHA loan limit in Chestnut Ridge?

Chestnut Ridge uses the FHA limit for all of Rockland County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Chestnut Ridge?

The typical homeowner in Chestnut Ridge pays $10,001 a year, according to the U.S. Census Bureau. That is 1.39% of the home’s value; in Rockland County, the rate is 1.68%.

Where can I find free help to buy or rent in Chestnut Ridge?

There is 1 HUD-approved counseling agency with an office in Rockland County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).