Local
Learn about the people, housing, costs and businesses in Locust Valley, New York
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Locust Valley.
True all-in cost — P&I, taxes, insurance & utilities for homes in Locust Valley.
Find and compare lenders active near Locust Valley.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Locust Valley.
Seismic risk and earthquake insurance estimates for Locust Valley.
Wildfire exposure and insurance estimates for Locust Valley.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Locust Valley is approximately 6.896% (6.932% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Locust ValleyThe median home value in Locust Valley is $847k. The median monthly rent is $2,324. Annual property taxes average $10k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Locust Valley have decreased 3.2% over the past two years. Buyers may find more negotiating room in this market. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $3,264/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $140k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Locust Valley is $152k/year.
Calculate your buying powerThe largest employment sectors in Locust Valley are public administration (22%) and healthcare (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.