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City · 17,825 residents · Nassau County, New York

North Valley Stream , New York

In North Valley Stream, a typical home is worth $613,800 and typical rent is $3,059 a month. Compared with all of Nassau County, typical rent is 36% higher, the typical home value is 10% lower, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $613,800

    10% below the county

    45% above New York

    • North Valley Stream
    • Nassau
    • New York

  • Typical rent

    $3,059a month

    36% above the county

    89% above New York

    • North Valley Stream
    • Nassau
    • New York

  • Typical household income

    $142,733a year

    2% below the county

    66% above New York

    • North Valley Stream
    • Nassau
    • New York

  • Households that own their home

    91%

    9 points above the county

    37 points above New York

    • North Valley Stream
    • Nassau
    • New York

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

North Valley Stream is in Nassau 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 Nassau County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North Valley Stream apart

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

  1. Nearby, in Malverne, the typical rent is $1,898: 38% less than in North Valley Stream ($3,059).

  2. The typical rent in North Valley Stream is $3,059 a month, 36% more than in Nassau County as a whole ($2,252).

  3. 91% of households in North Valley Stream own their home, against 82% in Nassau County.

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

The homes here

Housing in North Valley Stream

What homes there are in North Valley Stream, 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 North Valley Stream, 8 in 10 homes are single-family detached houses; in Nassau County, 8.

Year built

The typical year built in North Valley Stream is 1953, about the same as in Nassau County (1955).

In North Valley Stream, 81% of homes have 3 bedrooms or more, more than in Nassau County (75%).

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

$3,518 a month

Nassau County: $3,795 a month

Without a mortgage

$1,437 a month

Nassau County: $1,500 or more a month

Owners with a mortgage

68%

Nassau County: 62%

The typical cost for an owner with a mortgage in North Valley Stream is $3,518 a month, less than in Nassau County ($3,795); without one, $1,437.

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

The typical home value in North Valley Stream rose 49% since 2015–2019, more than in Nassau County (39%).

The typical rent in North Valley Stream rose 72% over the same time; in Nassau County, it rose 27%.

Here income did not keep up with housing: it rose 23%, while home values changed +49% and rent +72%.

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

MeasureNorth Valley StreamNassau CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room 5.6%3.4%5.3%3.4%
People per household 3.362.992.492.53
Drive alone 64%61%49%69%
Carpool 10%7%6%9%
Public transit 10%13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 15%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 5.6% of households in North Valley Stream live, more than in Nassau County (3.4%).

On average, a household in North Valley Stream has 3.36 people, more than in Nassau County (2.99).

To get to work, 64% of workers in North Valley Stream drive alone; in Nassau County, 61%.

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 North Valley Stream?

A typical home costs more than the typical income allows

We start with a typical home in North Valley Stream, worth $613,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in North Valley Stream, which is $142,733 a year. For that payment to be 28% of income, a household would need to earn about $233,304 a year.

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

Your numbers

Local data
$

Starts at the typical home value in North Valley Stream. 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 $21,483 (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

$5,444

at 7.18% · 30 years

Loan amount
$602,683
Total interest
$867,119
Paid off in
November 2056

Includes $10,366 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,330 a month

  • Tight

    $3,330 to $4,282 a month

  • Hard

    more than $4,282 a month

    Your payment · 46%

Compared with the typical household income in North Valley Stream ($142,733 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,444
Principal & interest$4,083
Property tax$834
Home insurance$256
FHA mortgage insurance (MIP)$271

You need at least $21,483 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

North Valley Stream and Nassau County

North Valley Stream is in Nassau 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).

North Valley Stream's own numbers

Typical home value
$613,800
Typical monthly rent
$3,059
Typical yearly household income
$142,733
Households that own their home
91%
Effective property tax rate
1.63%

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

Numbers for all of Nassau County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,689
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
9.6%

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 Nassau County.

Everything about Nassau County

Buying

Buying a home in North Valley Stream

A typical home in North Valley Stream is worth $613,800: 10% below the county and 45% above New York. With the typical household income in North Valley Stream ($142,733 a year), a typical home costs 4.3 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.

  • North Valley Stream 4.3 years
  • Nassau 4.7 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nassau County

According to FHFA’s house price index, home prices in Nassau County rose 82% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +7.0% +6.0% +2.9%
5 years (2020–2025) +45% +52% +47%
10 years (2015–2025) +82% +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

North Valley Stream next to Nassau 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
  • North Valley Stream $613,800
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • North Valley Stream $3,059
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • North Valley Stream $142,733
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
North Valley Stream next to Nassau County and New York
Measure North Valley Stream Nassau County New York U.S.
Typical home value $613,800 $684,700 $423,800 $332,700
Typical monthly rent $3,059 $2,252 $1,621 $1,413
Typical yearly household income $142,733 $146,202 $85,974 $80,734
Households that own their home 91% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.63% 1.46% 1.55% 0.94%
Renters with high rent for their income 48% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau 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 North Valley Stream

For a typical $613,800 home in North Valley Stream, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Valley Stream's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,444a month

    Least cash to close
    Down payment
    $21,483
    Cash to close
    $39,897
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $271

  • Conventional, 5% down $5,331a month

    Down payment
    $30,690
    Cash to close
    $49,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $292

  • Conventional, 20% down, no PMI $4,416a month

    Down payment
    $122,760
    Cash to close
    $141,174
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,983a month

    Down payment
    $92,070
    Cash to close
    $110,484
    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 North Valley Stream and for Nassau County.

Property tax

Effective rate in North Valley Stream

1.63%of the home’s value each year

$10,001 a year for the typical owner in North Valley Stream.

  • North Valley Stream 1.63%
  • Nassau 1.46%
  • 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 Nassau County

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

Homes in the high-risk zone
9.6%
35,643
Of those, with NFIP insurance
76%
County New York U.S.
Homes in the high-risk zone 9.6% 2% 3.5%
Of those, with NFIP insurance 76% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Valley Stream

Typical rent in North Valley Stream is $3,059 a month: 36% above the county. In North Valley Stream, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nassau County, by unit size. To pay the 2-bedroom one ($2,689 a month) without spending more than 30% of your income, you would need to earn $51.71 an hour working full time.

HUD fair market rent for all of Nassau 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 $1,964 $37.77 $78,560
1 bedroom $2,285 $43.94 $91,400
2 bedrooms $2,689 $51.71 $107,560
3 bedrooms $3,458 $66.50 $138,320
4 bedrooms $3,671 $70.60 $146,840

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 North Valley Stream

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

For 2 bedrooms it runs from $2,620 in 11580 to $2,740 in 11003.

1 of the 2 is above the fair market rent for Nassau County ($2,689).

  • 11003 $2,740$3,520
  • 11580 $2,620$3,280

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Valley Stream 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 North Valley Stream

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 3 HUD-approved agencies with an office in Nassau County; 2 say they serve in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in North Valley Stream

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

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

Housing counselors near North Valley Stream

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

  • Hispanic Brotherhood of Rockville Centre, Inc.

    59 Clinton Ave, Rockville Centre · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (516) 766-6610

  • Community Development Corporation of Long Island

    250 Fulton Ave, Hempstead · 5 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (631) 471-1215

  • Neighborhood Housing Services of Jamaica

    8970 162nd St, Queens · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (718) 291-7400

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near North Valley Stream

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 North Valley Stream

In HUD’s record, no housing authority with an office in Nassau County is named for North Valley Stream or Nassau County.

11 other authorities have an office in Nassau County: see the list Source: HUD

Cities

Other cities in Nassau County

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

Everything about Nassau County Housing in New York
See 57 more cities in Nassau County, with prices and rents

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

Nearby cities

The cities closest to North Valley Stream, with the typical home value.

Neighboring counties

If Nassau 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 North Valley Stream.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about North Valley Stream

Short answers with the numbers for North Valley Stream and all of Nassau 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 North Valley Stream?

The typical home value in North Valley Stream is $613,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.

How much does it cost to rent in North Valley Stream?

Typical rent in North Valley Stream is $3,059 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $2,689.

What is the FHA loan limit in North Valley Stream?

North Valley Stream uses the FHA limit for all of Nassau 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 North Valley Stream?

The typical homeowner in North Valley Stream pays $10,001 a year, according to the U.S. Census Bureau. That is 1.63% of the home’s value; in Nassau County, the rate is 1.46%.

Where can I find free help to buy or rent in North Valley Stream?

There are 3 HUD-approved counseling agencies with an office in Nassau County. 2 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).