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City · 20,648 residents · Nassau County, New York

West Hempstead , New York

In West Hempstead, a typical home is worth $653,600 and typical rent is $2,967 a month. Compared with all of Nassau County, typical rent is 32% higher, typical household income is 12% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $653,600

    5% below the county

    54% above New York

    • West Hempstead
    • Nassau
    • New York

  • Typical rent

    $2,967a month

    32% above the county

    83% above New York

    • West Hempstead
    • Nassau
    • New York

  • Typical household income

    $164,127a year

    12% above the county

    91% above New York

    • West Hempstead
    • Nassau
    • New York

  • Households that own their home

    91%

    9 points above the county

    36 points above New York

    • West Hempstead
    • Nassau
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$797,149
5.9% more than 12 months ago
Typical rent
$3,859 a month

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

West Hempstead 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 West Hempstead apart

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

  1. Nearby, in Hempstead, the typical rent is $1,622: 45% less than in West Hempstead ($2,967).

  2. Nearby, in Hempstead, the typical home value is $459,500: 30% less than in West Hempstead ($653,600).

  3. The typical rent in West Hempstead is $2,967 a month, 32% more than in Nassau County as a whole ($2,252).

  4. 91% of households in West Hempstead own their home, against 82% in Nassau County.

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

The homes here

Housing in West Hempstead

What homes there are in West Hempstead, 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 West Hempstead, 9 in 10 homes are single-family detached houses; in Nassau County, 8.

Year built

The typical year built in West Hempstead is 1952, about the same as in Nassau County (1955).

Homes in West Hempstead are bigger: 87% have 3 bedrooms or more; 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

$3,600 a month

Nassau County: $3,795 a month

Owners with a mortgage

65%

Nassau County: 62%

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 West Hempstead rose 42% since 2015–2019, about the same as in Nassau County (39%).

The typical rent in West Hempstead rose 54% over the same time; in Nassau County, it rose 27%.

Housing prices ran ahead of income in West Hempstead: typical income rose 36%, against +42% for home values and +54% for rent.

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

MeasureWest HempsteadNassau 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 Unreliable estimate3.4%5.3%3.4%
People per household 3.362.992.492.53
Drive alone 65%61%49%69%
Carpool 6%7%6%9%
Public transit 9%13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 16%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.36 on average, against 2.99 in Nassau County.

To get to work, 65% of workers in West Hempstead 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 West Hempstead?

A typical home costs more than the typical income allows

We start with a typical home in West Hempstead, worth $653,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in West Hempstead, which is $164,127 a year. For that payment to be 28% of income, a household would need to earn about $246,097 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 West Hempstead. 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 $22,876 (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

$5,742

at 7.18% · 30 years

Loan amount
$641,762
Total interest
$923,344
Paid off in
November 2056

Includes $11,038 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,830 a month

  • Tight

    $3,830 to $4,924 a month

  • Hard

    more than $4,924 a month

    Your payment · 42%

Compared with the typical household income in West Hempstead ($164,127 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,742
Principal & interest$4,348
Property tax$833
Home insurance$272
FHA mortgage insurance (MIP)$289

You need at least $22,876 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

West Hempstead and Nassau County

West Hempstead 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).

West Hempstead's own numbers

Typical home value
$653,600
Typical monthly rent
$2,967
Typical yearly household income
$164,127
Households that own their home
91%
Effective property tax rate
1.53%

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 West Hempstead

A typical home in West Hempstead is worth $653,600: 5% below the county and 54% above New York. With the typical household income in West Hempstead ($164,127 a year), a typical home costs 4.0 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.

  • West Hempstead 4.0 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

West Hempstead 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
  • West Hempstead $653,600
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • West Hempstead $2,967
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • West Hempstead $164,127
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
West Hempstead next to Nassau County and New York
Measure West Hempstead Nassau County New York U.S.
Typical home value $653,600 $684,700 $423,800 $332,700
Typical monthly rent $2,967 $2,252 $1,621 $1,413
Typical yearly household income $164,127 $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 1.53% 1.46% 1.55% 0.94%
Renters with high rent for their income 49% 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 West Hempstead

For a typical $653,600 home in West Hempstead, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Hempstead's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,742a month

    Least cash to close
    Down payment
    $22,876
    Cash to close
    $42,484
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $289

  • Conventional, 5% down $5,622a month

    Down payment
    $32,680
    Cash to close
    $52,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $310

  • Conventional, 20% down, no PMI $4,648a month

    Down payment
    $130,720
    Cash to close
    $150,328
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,252a month

    Down payment
    $98,040
    Cash to close
    $117,648
    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 West Hempstead and for Nassau County.

Property tax

Effective rate in West Hempstead

1.53%of the home’s value each year

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

  • West Hempstead 1.53%
  • 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 West Hempstead

Typical rent in West Hempstead is $2,967 a month: 32% above the county. In West Hempstead, 49% 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 West Hempstead

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Hempstead is in ZIP code 11552.

For 2 bedrooms it is $3,420: $731 more than the fair market rent for Nassau County ($2,689).

  • 11552 $3,420$4,400

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

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 woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in West Hempstead

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

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

Housing counselors near West Hempstead

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

  • Community Development Corporation of Long Island

    250 Fulton Ave, Hempstead · 2 miles away · Spanish

    Also serves in Creole.

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

  • Hispanic Brotherhood of Rockville Centre, Inc.

    59 Clinton Ave, Rockville Centre · 3 miles away

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

  • Family and Children's Association

    377 Oak St, Garden City · 3 miles away · Spanish

    • Reverse mortgage counseling
    516-485-3425-2325

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near West Hempstead

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 West Hempstead

In HUD’s record, no housing authority with an office in Nassau County is named for West Hempstead 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 West Hempstead, 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 West Hempstead.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about West Hempstead

Short answers with the numbers for West Hempstead 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 West Hempstead?

The typical home value in West Hempstead is $653,600, 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 West Hempstead?

Typical rent in West Hempstead is $2,967 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 West Hempstead?

West Hempstead 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 West Hempstead?

The typical homeowner in West Hempstead pays $10,001 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Nassau County, the rate is 1.46%.

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

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).