The median home in Valley Cottage, New York is valued at $626,937, down 0.7% year over year. Valley Cottage is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$626,937

-0.7%

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$125,387 on $626,937

Example: $75,000 household income. Change it above to see your own.

Out of reach67.5% of income

Need $180,814/yr to afford.

PITI$4,219

P/I67.5%

Afford$260K

Gap-$367K

P&I $3,170Tax $899Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Valley Cottage with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

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Valley Cottage, NY