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City · 8,202 residents · Westchester County, New York

Croton-on-Hudson , New York

In Croton-on-Hudson, a typical home is worth $712,900 and typical rent is $2,274 a month. Compared with all of Westchester County, typical household income is 61% higher, typical rent is 17% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $712,900

    7% above the county

    68% above New York

    • Croton-on-Hudson
    • Westchester
    • New York

  • Typical rent

    $2,274a month

    17% above the county

    40% above New York

    • Croton-on-Hudson
    • Westchester
    • New York

  • Typical household income

    $191,678a year

    61% above the county

    123% above New York

    • Croton-on-Hudson
    • Westchester
    • New York

  • Households that own their home

    80%

    18 points above the county

    26 points above New York

    • Croton-on-Hudson
    • Westchester
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$850,609
12.9% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Croton-on-Hudson is in Westchester 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 Westchester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Croton-on-Hudson apart

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

  1. The typical household income in Croton-on-Hudson is $191,678, 61% more than in Westchester County as a whole ($118,976).

  2. Nearby, in Haverstraw, the typical home value is $361,100: 49% less than in Croton-on-Hudson ($712,900).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Croton-on-Hudson rose 12.9%; in New York, it rose 5.6%.

  4. 80% of households in Croton-on-Hudson own their home, against 62% in Westchester County.

  5. Nearby, in Stony Point, the typical rent is $1,749: 23% less than in Croton-on-Hudson ($2,274).

  6. The typical rent in Croton-on-Hudson is $2,274 a month, 17% more than in Westchester County as a whole ($1,951).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Croton-on-Hudson

What homes there are in Croton-on-Hudson, 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

The detached house rules in Croton-on-Hudson: 69% of homes, more than in Westchester County (43%).

Year built

By age, homes in Croton-on-Hudson look like those in Westchester County: the typical year built is 1957.

There is more room for a big family here: 69% of homes have 3 bedrooms or more, against 50% in Westchester County.

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

64%

Westchester County: 61%

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

From 2015–2019 to 2020–2024, the typical home value in Croton-on-Hudson rose 30%; in Westchester County, it rose 23%.

The typical rent in Croton-on-Hudson rose 42% over the same time; in Westchester County, it rose 27%.

The typical household income in Croton-on-Hudson rose 47%: more than home values (+30%) and rent (+42%).

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

MeasureCroton-on-HudsonWestchester CountyNew YorkUnited States
Rental vacancy Unreliable estimate2.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate5.0%5.3%3.4%
People per household 2.702.612.492.53
Drive alone 44%50%49%69%
Carpool 3%7%6%9%
Public transit 19%17%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 30%19%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Croton-on-Hudson has 2.70 people on average, about the same as in Westchester County (2.61).

Working from home is more common in Croton-on-Hudson: 30%, against 19% in Westchester County.

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 Croton-on-Hudson?

A typical home costs more than the typical income allows

We start with a typical home in Croton-on-Hudson, worth $712,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Croton-on-Hudson, which is $191,678 a year. For that payment to be 28% of income, a household would need to earn about $265,115 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Croton-on-Hudson. 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 $24,952 (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

$6,186

at 7.18% · 30 years

Loan amount
$699,987
Total interest
$1,007,117
Paid off in
November 2056

Includes $12,039 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,472 a month

  • Tight

    $4,472 to $5,750 a month

  • Hard

    more than $5,750 a month

    Your payment · 39%

Compared with the typical household income in Croton-on-Hudson ($191,678 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,186
Principal & interest$4,742
Property tax$832
Home insurance$297
FHA mortgage insurance (MIP)$315

You need at least $24,952 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

Croton-on-Hudson and Westchester County

Croton-on-Hudson is in Westchester 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).

Croton-on-Hudson's own numbers

Typical home value
$712,900
Typical monthly rent
$2,274
Typical yearly household income
$191,678
Households that own their home
80%
Effective property tax rate
1.4%

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

Numbers for all of Westchester 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)
+42%
Homes in a high flood-risk zone
1.8%

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 Westchester County.

Everything about Westchester County

Buying

Buying a home in Croton-on-Hudson

A typical home in Croton-on-Hudson is worth $712,900: 7% above the county and 68% above New York. With the typical household income in Croton-on-Hudson ($191,678 a year), a typical home costs 3.7 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.

  • Croton-on-Hudson 3.7 years
  • Westchester 5.6 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Westchester County

According to FHFA’s house price index, home prices in Westchester County rose 62% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +5.7% +6.0% +2.9%
5 years (2020–2025) +42% +52% +47%
10 years (2015–2025) +62% +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

Croton-on-Hudson next to Westchester 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
  • Croton-on-Hudson $712,900
  • Westchester $663,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Croton-on-Hudson $2,274
  • Westchester $1,951
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Croton-on-Hudson $191,678
  • Westchester $118,976
  • New York $85,974
  • United States $80,734
See the full table
Croton-on-Hudson next to Westchester County and New York
Measure Croton-on-Hudson Westchester County New York U.S.
Typical home value $712,900 $663,200 $423,800 $332,700
Typical monthly rent $2,274 $1,951 $1,621 $1,413
Typical yearly household income $191,678 $118,976 $85,974 $80,734
Households that own their home 80% 62% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.4% 1.51% 1.55% 0.94%
Renters with high rent for their income 40% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Westchester 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 Croton-on-Hudson

For a typical $712,900 home in Croton-on-Hudson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Croton-on-Hudson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,186a month

    Least cash to close
    Down payment
    $24,952
    Cash to close
    $46,339
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $315

  • Conventional, 5% down $6,055a month

    Down payment
    $35,645
    Cash to close
    $57,032
    Rate
    7.18%
    Mortgage insurance
    PMI · $339

  • Conventional, 20% down, no PMI $4,992a month

    Down payment
    $142,580
    Cash to close
    $163,967
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,651a month

    Down payment
    $106,935
    Cash to close
    $128,322
    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 Croton-on-Hudson and for Westchester County.

Property tax

Effective rate in Croton-on-Hudson

1.4%of the home’s value each year

$10,001 a year for the typical owner in Croton-on-Hudson.

  • Croton-on-Hudson 1.4%
  • Westchester 1.51%
  • 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 Westchester County

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

Homes in the high-risk zone
1.8%
3,657
Of those, with NFIP insurance
64%
County New York U.S.
Homes in the high-risk zone 1.8% 2% 3.5%
Of those, with NFIP insurance 64% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Croton-on-Hudson

Typical rent in Croton-on-Hudson is $2,274 a month: 17% above the county. In Croton-on-Hudson, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Westchester 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 Westchester 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 Croton-on-Hudson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Croton-on-Hudson is in ZIP code 10520.

For 2 bedrooms it is $2,950: $21 less than the fair market rent for Westchester County ($2,971).

  • 10520 $2,950$3,730

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Croton-on-Hudson 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?

Low-income apartments

Low-income apartments in Croton-on-Hudson

HUD lists one building with rents for lower incomes in Croton-on-Hudson.

  • Symphony Knoll 15 Mount Airy Rd, Croton On Hudson 10520 11 low-income homes · 1 bd: 11 · In service since 2009 · For older adults

See all 183 buildings in Westchester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Croton-on-Hudson

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 are 6 HUD-approved agencies with an office in Westchester County; 3 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Croton-on-Hudson

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

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

Housing counselors near Croton-on-Hudson

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

  • The Preservation Company

    1037 Main St, Peekskill · 6 miles away · Spanish

    • Rental counseling
    (914) 595-2692

  • Rockland Housing Action Coalition

    475 Route 304, New City · 7 miles away

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

  • Cambridge Credit Counseling Corporation - New York Branch

    245 Saw Mill River Road, Hawthorne · 9 miles away · Spanish

    Also serves in Polish.

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

Every agency in Westchester County All counseling agencies in New York

Help in Spanish near Croton-on-Hudson

2 of the 3 agencies on this list say they serve 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 Croton-on-Hudson

In HUD’s record, no housing authority with an office in Westchester County is named for Croton-on-Hudson or Westchester County.

15 other authorities have an office in Westchester County: see the list Source: HUD

Cities

Other cities in Westchester County

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

Everything about Westchester County Housing in New York
See 18 more cities in Westchester County, with prices and rents

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

Nearby cities

The cities closest to Croton-on-Hudson, with the typical home value.

Neighboring counties

If Westchester 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 Croton-on-Hudson.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Croton-on-Hudson

Short answers with the numbers for Croton-on-Hudson and all of Westchester 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 Croton-on-Hudson?

The typical home value in Croton-on-Hudson is $712,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Westchester County it is $663,200.

How much does it cost to rent in Croton-on-Hudson?

Typical rent in Croton-on-Hudson is $2,274 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Westchester County is $2,971.

What is the FHA loan limit in Croton-on-Hudson?

Croton-on-Hudson uses the FHA limit for all of Westchester 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 Croton-on-Hudson?

The typical homeowner in Croton-on-Hudson pays $10,001 a year, according to the U.S. Census Bureau. That is 1.4% of the home’s value; in Westchester County, the rate is 1.51%.

Where can I find free help to buy or rent in Croton-on-Hudson?

There are 6 HUD-approved counseling agencies with an office in Westchester County. 3 say they serve in Spanish. 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).