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City · 12,325 residents · Rockland County, New York

Haverstraw , New York

In Haverstraw, a typical home is worth $361,100 and typical rent is $2,114 a month. Compared with all of Rockland County, the typical home value is 40% lower, typical household income is 32% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $361,100

    40% below the county

    15% below New York

    • Haverstraw
    • Rockland
    • New York

  • Typical rent

    $2,114a month

    11% above the county

    30% above New York

    • Haverstraw
    • Rockland
    • New York

  • Typical household income

    $75,167a year

    32% below the county

    13% below New York

    • Haverstraw
    • Rockland
    • New York

  • Households that own their home

    50%

    18 points below the county

    5 points below New York

    • Haverstraw
    • Rockland
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$453,759
2.4% more than 12 months ago
Typical rent
$3,490 a month
3.6% more than 12 months ago

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

Haverstraw 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 Haverstraw apart

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

  1. 50% of households in Haverstraw own their home, against 68% in Rockland County.

  2. The typical home in Haverstraw is worth $361,100, 40% less than in Rockland County as a whole ($596,900).

  3. The typical household income in Haverstraw is $75,167, 32% less than in Rockland County as a whole ($109,959).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Haverstraw rose 2.4%; in New York, it rose 5.6%.

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

The homes here

Housing in Haverstraw

What homes there are in Haverstraw, 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

In Haverstraw there is a bit of everything: no kind of home reaches half. The most common are detached houses (32%); in Rockland County, 57%.

Year built

The typical home in Haverstraw was built in 1962, 9 years before the typical one in Rockland 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

With a mortgage

$2,754 a month

Rockland County: $3,641 a month

Without a mortgage

$1,246 a month

Rockland County: $1,500 or more a month

Owners with a mortgage

76%

Rockland County: 63%

Owning costs less in Haverstraw: with a mortgage, the typical cost is $2,754 a month; in Rockland County, $3,641. Without one, $1,246.

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 Haverstraw rose 42%; in Rockland County, it rose 35%.

Rents in Haverstraw rose faster than in Rockland County: 54% since 2015–2019, against 26%.

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

MeasureHaverstrawRockland 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 13.5%6.9%5.3%3.4%
People per household 3.193.222.492.53
Drive alone 56%65%49%69%
Carpool 18%10%6%9%
Public transit 10%6%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 8%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 13.5% of households in Haverstraw live, more than in Rockland County (6.9%).

A household in Haverstraw has 3.19 people on average, about the same as in Rockland County (3.22).

Carpooling is common in Haverstraw: 18% of workers get to work that way, against 10% in Rockland 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 Haverstraw?

A typical home costs more than the typical income allows

We start with a typical home in Haverstraw, worth $361,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Haverstraw, which is $75,167 a year. For that payment to be 28% of income, a household would need to earn about $151,310 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 Haverstraw. 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 $12,639 (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

$3,531

at 7.18% · 30 years

Loan amount
$354,559
Total interest
$510,127
Paid off in
November 2056

Includes $6,098 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,754 a month

  • Tight

    $1,754 to $2,255 a month

  • Hard

    more than $2,255 a month

    Your payment · 56%

Compared with the typical household income in Haverstraw ($75,167 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,531
Principal & interest$2,402
Property tax$819
Home insurance$151
FHA mortgage insurance (MIP)$160

You need at least $12,639 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

Haverstraw and Rockland County

Haverstraw 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).

Haverstraw's own numbers

Typical home value
$361,100
Typical monthly rent
$2,114
Typical yearly household income
$75,167
Households that own their home
50%
Effective property tax rate
2.72%

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 Haverstraw

A typical home in Haverstraw is worth $361,100: 40% below the county and 15% below New York. With the typical household income in Haverstraw ($75,167 a year), a typical home costs 4.8 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.

  • Haverstraw 4.8 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

Haverstraw 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
  • Haverstraw $361,100
  • Rockland $596,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Haverstraw $2,114
  • Rockland $1,901
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Haverstraw $75,167
  • Rockland $109,959
  • New York $85,974
  • United States $80,734
See the full table
Haverstraw next to Rockland County and New York
Measure Haverstraw Rockland County New York U.S.
Typical home value $361,100 $596,900 $423,800 $332,700
Typical monthly rent $2,114 $1,901 $1,621 $1,413
Typical yearly household income $75,167 $109,959 $85,974 $80,734
Households that own their home 50% 68% 54% 65%
Typical yearly property tax $9,818 $10,001 $6,582 $3,119
Effective property tax rate 2.72% 1.68% 1.55% 0.94%
Renters with high rent for their income 69% 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 Haverstraw

For a typical $361,100 home in Haverstraw, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Haverstraw's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,531a month

    Least cash to close
    Down payment
    $12,639
    Cash to close
    $23,472
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $160

  • Conventional, 5% down $3,464a month

    Down payment
    $18,055
    Cash to close
    $28,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,926a month

    Down payment
    $72,220
    Cash to close
    $83,053
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,260a month

    Down payment
    $54,165
    Cash to close
    $64,998
    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 Haverstraw and for Rockland County.

Property tax

Effective rate in Haverstraw

2.72%of the home’s value each year

$9,818 a year for the typical owner in Haverstraw.

  • Haverstraw 2.72%
  • 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 Haverstraw

Typical rent in Haverstraw is $2,114 a month: 11% above the county. In Haverstraw, 69% 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 Haverstraw

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Haverstraw is in ZIP code 10927.

For 2 bedrooms it is $3,050: $79 more than the fair market rent for Rockland County ($2,971).

  • 10927 $3,050$3,860

A ZIP code counts for Haverstraw 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 Haverstraw

HUD lists 3 buildings with rents for lower incomes in Haverstraw. These are the largest.

  • Warren Knolls 401 Warren Knls, Haverstraw 10927 97 homes, 96 low-income · For older adults
  • Haverstraw Place 140 Route 9W, Haverstraw 10927 90 homes, 89 low-income · Studio: 2 · 1 bd: 87 · In service since 2003 · For older adults, families
  • Murphy Manor Apts 45 Route 9W, Haverstraw 10927 26 low-income homes · Studio: 1 · 2 bd: 25 · In service since 2010

See all 51 buildings in Rockland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Haverstraw

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 Haverstraw

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

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

Housing counselors near Haverstraw

The HUD-approved agencies closest to the center of Haverstraw, 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

  • The Preservation Company

    1037 Main St, Peekskill · 8 miles away · Spanish

    • Rental counseling
    (914) 595-2692

  • Housing Action Council Inc.

    55 S Broadway, Tarrytown · 8 miles away

    • Pre-purchase counseling
    (914) 332-4144

Every agency in Rockland County All counseling agencies in New York

Help in Spanish near Haverstraw

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 Haverstraw

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

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Haverstraw

Short answers with the numbers for Haverstraw 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 Haverstraw?

The typical home value in Haverstraw is $361,100, 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 Haverstraw?

Typical rent in Haverstraw is $2,114 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 Haverstraw?

Haverstraw 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 Haverstraw?

The typical homeowner in Haverstraw pays $9,818 a year, according to the U.S. Census Bureau. That is 2.72% of the home’s value; in Rockland County, the rate is 1.68%.

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

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).