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City · 6,687 residents · Rockland County, New York

Tappan , New York

In Tappan, a typical home is worth $644,200 and typical rent is $2,299 a month. Compared with all of Rockland County, typical household income is 59% higher, typical rent is 21% higher, and the share of households that own their home is 26 points higher.

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  • Typical home value

    $644,200

    8% above the county

    52% above New York

    • Tappan
    • Rockland
    • New York

  • Typical rent

    $2,299a month

    21% above the county

    42% above New York

    • Tappan
    • Rockland
    • New York

  • Typical household income

    $174,286a year

    59% above the county

    103% above New York

    • Tappan
    • Rockland
    • New York

  • Households that own their home

    94%

    26 points above the county

    39 points above New York

    • Tappan
    • Rockland
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$748,000
5.8% more than 12 months ago

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

Tappan 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 Tappan apart

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

  1. 94% of households in Tappan own their home, against 68% in Rockland County.

  2. The typical household income in Tappan is $174,286, 59% more than in Rockland County as a whole ($109,959).

  3. Nearby, in Hastings-on-Hudson, the typical rent is $1,877: 18% less than in Tappan ($2,299).

  4. The typical rent in Tappan is $2,299 a month, 21% more than in Rockland County as a whole ($1,901).

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

The homes here

Housing in Tappan

What homes there are in Tappan, 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 Tappan: 94% of homes, more than in Rockland County (57%).

Year built

Homes in Tappan are older: the typical year built is 1965; in Rockland County, 1971.

In Tappan, 90% 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

With a mortgage

$3,823 a month

Rockland County: $3,641 a month

Owners with a mortgage

66%

Rockland County: 63%

In Tappan, 66% of owners have a mortgage; their typical cost is $3,823 a month, about the same as in Rockland County.

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

Homes in Tappan gained value more slowly than in Rockland County: 29% since 2015–2019, against 35%.

Since 2015–2019, the typical rent in Tappan 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

MeasureTappanRockland 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 2.853.222.492.53
Drive alone 72%65%49%69%
Carpool 8%10%6%9%
Public transit Unreliable estimate6%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 12%13%15%15%
Other means Unreliable estimate3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Tappan has 2.85 people, fewer than in Rockland County (3.22).

In Tappan, 72% 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 Tappan?

A typical home costs more than the typical income allows

We start with a typical home in Tappan, worth $644,200, 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 Tappan, which is $174,286 a year. For that payment to be 28% of income, a household would need to earn about $243,018 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 Tappan. 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 $22,547 (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

$5,670

at 7.18% · 30 years

Loan amount
$632,532
Total interest
$910,065
Paid off in
November 2056

Includes $10,879 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,067 a month

  • Tight

    $4,067 to $5,229 a month

  • Hard

    more than $5,229 a month

    Your payment · 39%

Compared with the typical household income in Tappan ($174,286 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,670
Principal & interest$4,285
Property tax$832
Home insurance$268
FHA mortgage insurance (MIP)$285

You need at least $22,547 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

Tappan and Rockland County

Tappan 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).

Tappan's own numbers

Typical home value
$644,200
Typical monthly rent
$2,299
Typical yearly household income
$174,286
Households that own their home
94%
Effective property tax rate
1.55%

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 Tappan

A typical home in Tappan is worth $644,200: 8% above the county and 52% above New York. With the typical household income in Tappan ($174,286 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.

  • Tappan 3.7 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

Tappan 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
  • Tappan $644,200
  • Rockland $596,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Tappan $2,299
  • Rockland $1,901
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Tappan $174,286
  • Rockland $109,959
  • New York $85,974
  • United States $80,734
See the full table
Tappan next to Rockland County and New York
Measure Tappan Rockland County New York U.S.
Typical home value $644,200 $596,900 $423,800 $332,700
Typical monthly rent $2,299 $1,901 $1,621 $1,413
Typical yearly household income $174,286 $109,959 $85,974 $80,734
Households that own their home 94% 68% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.55% 1.68% 1.55% 0.94%

“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 Tappan

For a typical $644,200 home in Tappan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tappan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,670a month

    Least cash to close
    Down payment
    $22,547
    Cash to close
    $41,873
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $285

  • Conventional, 5% down $5,552a month

    Down payment
    $32,210
    Cash to close
    $51,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $306

  • Conventional, 20% down, no PMI $4,592a month

    Down payment
    $128,840
    Cash to close
    $148,166
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,187a month

    Down payment
    $96,630
    Cash to close
    $115,956
    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 Tappan and for Rockland County.

Property tax

Effective rate in Tappan

1.55%of the home’s value each year

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

  • Tappan 1.55%
  • 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 Tappan

Typical rent in Tappan is $2,299 a month: 21% above the county.

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 Tappan

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

For 2 bedrooms it runs from $2,620 in 10962 to $3,520 in 10983.

1 of the 2 is above the fair market rent for Rockland County ($2,971).

  • 10962 $2,620$3,280
  • 10983 $3,520$4,450

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

HUD lists one building with rents for lower incomes in Tappan.

  • Dowling Gardens 190 Kings Hwy, Tappan 10983 111 homes, 47 low-income · 1 bd: 47 · In service since 1995 · For older adults, people with disabilities

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

Free help

Help to buy or rent in Tappan

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Tappan

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

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

Housing counselors near Tappan

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

  • Housing Action Council Inc.

    55 S Broadway, Tarrytown · 6 miles away

    • Pre-purchase counseling
    (914) 332-4144

  • Rockland Housing Action Coalition

    475 Route 304, New City · 8 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 Rockland County All counseling agencies in New York

Help in Spanish near Tappan

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 Tappan

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

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

Questions

Housing questions about Tappan

Short answers with the numbers for Tappan 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 Tappan?

The typical home value in Tappan is $644,200, 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 Tappan?

Typical rent in Tappan is $2,299 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 Tappan?

Tappan 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 Tappan?

The typical homeowner in Tappan pays $10,001 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Rockland County, the rate is 1.68%.

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

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).