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City · 8,121 residents · Rockland County, New York

Mount Ivy , New York

In Mount Ivy, a typical home is worth $278,100 and typical rent is $1,882 a month. Compared with all of Rockland County, the typical home value is 53% lower and typical household income is 24% lower.

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  • Typical home value

    $278,100

    53% below the county

    34% below New York

    • Mount Ivy
    • Rockland
    • New York

  • Typical rent

    $1,882a month

    About the same as the county

    16% above New York

    • Mount Ivy
    • Rockland
    • New York

  • Typical household income

    $83,778a year

    24% below the county

    3% below New York

    • Mount Ivy
    • Rockland
    • New York

  • Households that own their home

    70%

    2 points above the county

    16 points above New York

    • Mount Ivy
    • Rockland
    • New York

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

Mount Ivy 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 Mount Ivy apart

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

  1. The typical home in Mount Ivy is worth $278,100, 53% less than in Rockland County as a whole ($596,900).

  2. The typical household income in Mount Ivy is $83,778, 24% less than in Rockland County as a whole ($109,959).

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

The homes here

Housing in Mount Ivy

What homes there are in Mount Ivy, 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 Mount Ivy there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (18%), more than in Rockland County (8%).

In Mount Ivy there are many mobile homes: 11% of homes; in Rockland County, 1%.

Year built

Homes in Mount Ivy are newer: the typical year built is 1978; in Rockland County, 1971.

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

$2,738 a month

Rockland County: $3,641 a month

Owners with a mortgage

70%

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

From 2015–2019 to 2020–2024, the typical home value in Mount Ivy rose 22%; in Rockland County, it rose 35%.

Since 2015–2019, the typical rent in Mount Ivy did not change clearly, according to the Census.

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

MeasureMount IvyRockland 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 Unreliable estimate6.9%5.3%3.4%
People per household 2.643.222.492.53
Drive alone 78%65%49%69%
Carpool Unreliable estimate10%6%9%
Public transit Unreliable estimate6%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 13%13%15%15%
Other means Unreliable estimate3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.64 on average, against 3.22 in Rockland County.

In Mount Ivy, 78% of workers drive alone to work; in Rockland County, 65%.

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 Mount Ivy?

A typical home costs more than the typical income allows

We start with a typical home in Mount Ivy, worth $278,100, 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 Mount Ivy, which is $83,778 a year. For that payment to be 28% of income, a household would need to earn about $115,538 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 Mount Ivy. 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 $9,734 (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

$2,696

at 7.18% · 30 years

Loan amount
$273,062
Total interest
$392,873
Paid off in
November 2056

Includes $4,696 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,955 a month

  • Tight

    $1,955 to $2,513 a month

  • Hard

    more than $2,513 a month

    Your payment · 39%

Compared with the typical household income in Mount Ivy ($83,778 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,696
Principal & interest$1,850
Property tax$607
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,734 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

Mount Ivy and Rockland County

Mount Ivy 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).

Mount Ivy's own numbers

Typical home value
$278,100
Typical monthly rent
$1,882
Typical yearly household income
$83,778
Households that own their home
70%
Effective property tax rate
2.62%

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 Mount Ivy

A typical home in Mount Ivy is worth $278,100: 53% below the county and 34% below New York. With the typical household income in Mount Ivy ($83,778 a year), a typical home costs 3.3 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.

  • Mount Ivy 3.3 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

Mount Ivy 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
  • Mount Ivy $278,100
  • Rockland $596,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Mount Ivy $1,882
  • Rockland $1,901
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Mount Ivy $83,778
  • Rockland $109,959
  • New York $85,974
  • United States $80,734
See the full table
Mount Ivy next to Rockland County and New York
Measure Mount Ivy Rockland County New York U.S.
Typical home value $278,100 $596,900 $423,800 $332,700
Typical monthly rent $1,882 $1,901 $1,621 $1,413
Typical yearly household income $83,778 $109,959 $85,974 $80,734
Households that own their home 70% 68% 54% 65%
Typical yearly property tax $7,287 $10,001 $6,582 $3,119
Effective property tax rate 2.62% 1.68% 1.55% 0.94%
Renters with high rent for their income 54% 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 Mount Ivy

For a typical $278,100 home in Mount Ivy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Ivy's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,696a month

    Least cash to close
    Down payment
    $9,734
    Cash to close
    $18,077
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,645a month

    Down payment
    $13,905
    Cash to close
    $22,248
    Rate
    7.18%
    Mortgage insurance
    PMI · $132

  • Conventional, 20% down, no PMI $2,230a month

    Down payment
    $55,620
    Cash to close
    $63,963
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,487a month

    Down payment
    $41,715
    Cash to close
    $50,058
    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 Mount Ivy and for Rockland County.

Property tax

Effective rate in Mount Ivy

2.62%of the home’s value each year

$7,287 a year for the typical owner in Mount Ivy.

  • Mount Ivy 2.62%
  • 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 Mount Ivy

Typical rent in Mount Ivy is $1,882 a month: about the same as the county. In Mount Ivy, 54% 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 Mount Ivy

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Ivy is in ZIP code 10970.

For 2 bedrooms it is $2,940: $31 less than the fair market rent for Rockland County ($2,971).

  • 10970 $2,940$3,720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mount Ivy 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 Mount Ivy

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Mount Ivy

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

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

Housing counselors near Mount Ivy

The HUD-approved agencies closest to the center of Mount Ivy, 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 · 5 miles away

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

  • The Preservation Company

    1037 Main St, Peekskill · 9 miles away · Spanish

    • Rental counseling
    (914) 595-2692

  • Housing Action Council Inc.

    55 S Broadway, Tarrytown · 12 miles away

    • Pre-purchase counseling
    (914) 332-4144

Every agency in Rockland County All counseling agencies in New York

Help in Spanish near Mount Ivy

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 Mount Ivy

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Mount Ivy

Short answers with the numbers for Mount Ivy 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 Mount Ivy?

The typical home value in Mount Ivy is $278,100, 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 Mount Ivy?

Typical rent in Mount Ivy is $1,882 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 Mount Ivy?

Mount Ivy 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 Mount Ivy?

The typical homeowner in Mount Ivy pays $7,287 a year, according to the U.S. Census Bureau. That is 2.62% of the home’s value; in Rockland County, the rate is 1.68%.

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

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).