Living in Chappaqua NY: 2027 Prices, Taxes, Schools and Commute

Chappaqua at a Glance (Updated November 2026)

What is it like to live in Chappaqua NY?

Chappaqua is a wooded, residential hamlet in the Town of New Castle with a small, walkable downtown built around its historic stone train station. Most buyers come for space, a highly rated school district and a quieter pace, and accept a longer train ride in return.

Chappaqua is not an incorporated village. It is the larger of New Castle's two hamlets (Millwood is the other), and the town had 18,311 residents at the 2020 Census. The 10514 ZIP code covers much more ground than the small census-defined core, so population and price figures change depending on which boundary a website uses.

The history runs deep. Quakers founded the hamlet in the 1730s, and the Chappaqua Friends Meeting House (c. 1753) is the oldest surviving Quaker meeting house in Westchester. Horace Greeley's house, Rehoboth, is on the National Register of Historic Places, and the Old Chappaqua Historic District was listed in 1974. Bill and Hillary Clinton bought their home here in 1999 (background on Wikipedia).

Downtown is compact: boutiques, specialty food shops and galleries clustered near the station. Outside the center, neighborhoods are wooded, with antique Colonials, stone manors and the occasional mid-century modern house. Coming from the city, plan on a car for most daily errands.

How much do homes cost in Chappaqua in 2027?

The typical sale in Chappaqua is about $1.74M: that is the Redfin median sale price, all home types, for the 3 months ending August 2026 in ZIP 10514. That was up 8.0% from a year earlier, and the median price per square foot was $546.

Other markers from the same Redfin ZIP 10514 data: 55 homes sold in August 2026, and the median home went under contract in 17 days. Zillow's home value index, which estimates the value of a typical home rather than tracking sales, stood at about $1.57M as of September 30, 2026, up 14.6% year over year (Zillow Chappaqua home values).

Two cautions when you read these numbers:

• The mix of sales moves the median. An all-home-types median rises in a month when more large houses close and falls when more smaller homes or condos sell. Treat it as a guide to the market's center, not a price tag for a specific house.
• The boundary matters. Redfin's "Chappaqua" city page covers only the small census core and recently showed a median under $900,000 on just 13 sales. We use the ZIP code figure because it reflects the area most buyers mean by Chappaqua.

For 2027 buyers, a budget near the median generally points to a single-family house on a wooded lot. Homes are moving quickly, so have your financing in order before you tour seriously.

How high are property taxes in Chappaqua?

Chappaqua's combined property tax rate is about 2.4% of market value, which works out to about $42,500 a year on the $1.74M median. That is an estimate: it excludes special districts (such as fire, library, sewer and refuse) and does not subtract STAR.

The rate combines Westchester County, the Town of New Castle and the Chappaqua Central School District, using full-value rates for the fiscal year ending 2025 from New York State's property tax rate dataset on data.ny.gov. The school district accounts for nearly three-quarters of the combined rate.

Your actual bill depends on the home's assessed value, any exemptions and the special districts that apply to that parcel. Ask for the current tax bill on any house you are serious about. For how Westchester taxes work and how to compare towns, see our Westchester property tax guide for NYC buyers.

What are the schools like in Chappaqua?

Chappaqua is served by the Chappaqua Central School District, which runs 6 schools and holds an A+ grade on Niche, ranked #17 of 597 best school districts in New York (Niche district profile).

The district has three elementary schools (Roaring Brook, Douglas G. Grafflin and Westorchard), two middle schools (Robert E. Bell and Seven Bridges) and one high school, Horace Greeley High School. Enrollment is about 3,539 students, according to Niche.

Because Chappaqua is a hamlet, the school district, not a village line, is what defines the area for most families. Confirm the district and the elementary school assignment for any address on the Chappaqua Central School District website. To compare Chappaqua with other districts, see our guide to Westchester school districts for NYC families.

How long is the commute from Chappaqua to Manhattan?

The train ride from Chappaqua to Grand Central is about 55–65 minutes on Metro-North's Harlem Line. That is an approximate range from MTA weekday timetables and covers both express and local trains.

Chappaqua station sits 32 miles from Grand Central and has 1,416 parking spaces (station details). A monthly ticket to Grand Central costs $313 under the current MTA fare table. Check exact departures on the MTA Harlem Line schedule.

This is one of the longer rides on our list, so test it before you buy. Take a weekday morning peak train, then the trip home, and add the time to get to and park at the station. Also check how station parking permits work before you count on driving to the train. See how Chappaqua stacks up in our Westchester commuter towns ranked.

Who is Chappaqua a good fit for?

Chappaqua fits families who put schools and space first and can live with an hour-long ride to Midtown. It is a weaker fit if you commute daily on a tight schedule or want to walk to most errands.

Reasons buyers choose Chappaqua:

• An A+ school district ranked #17 in New York by Niche.
• Wooded neighborhoods and a mix of historic and classic house styles.
• A small, walkable downtown at the train station.
• A direct Harlem Line station with a large parking supply.

Trade-offs to weigh:

• A ride of about 55–65 minutes and a $313 monthly ticket.
• Estimated taxes of about $42,500 a year at the median, before special districts.
• Car-dependent daily life outside the downtown core.

Which towns near Chappaqua should you also look at?

Armonk is the closest comparison: it has a similar price level, an A+ school district and a lower estimated tax rate, but no train station of its own. Read our guide to living in Armonk or the side-by-side Chappaqua vs Armonk comparison.

If you want a shorter ride or a different budget, these towns on our list are worth a look:

• Harrison: New Haven Line, about 40–50 minutes to Grand Central, and an A+ district ranked #20 in New York by Niche. See living in Harrison NY.
• White Plains: a city with a Redfin median of about $750,000 and Harlem Line trains of about 35–55 minutes. See living in White Plains NY.
• Scarsdale: closer in on the Harlem Line at about 35–50 minutes, with a higher price point. See living in Scarsdale NY.

To compare all 16 towns on price, taxes, schools and commute in one place, use our Westchester towns compared for 2027 hub.

Frequently Asked Questions

Is Chappaqua a village or a town?

Neither. Chappaqua is a hamlet in the Town of New Castle, which had 18,311 residents at the 2020 Census. Millwood is the town's other hamlet.

What is the median home price in Chappaqua NY?

The Redfin median sale price, all home types, was about $1.74M for the 3 months ending August 2026 in ZIP 10514, up 8.0% year over year. Median price per square foot was $546.

How much are property taxes in Chappaqua?

About 2.4% of market value, or about $42,500 a year on the median price. The estimate excludes special districts and STAR, and actual bills depend on each home's assessment.

How long is the train from Chappaqua to Grand Central?

About 55–65 minutes on the Harlem Line, an approximate range from MTA weekday timetables covering express and local trains. A monthly ticket costs $313.

What school district serves Chappaqua?

The Chappaqua Central School District, which runs 6 schools including Horace Greeley High School. Niche grades it A+ and ranks it #17 of 597 districts in New York.

Sources and Methodology

• Redfin – Chappaqua (ZIP 10514) housing market
• Zillow – Chappaqua home values
• NYS Real Property Tax Rates Levy Data (data.ny.gov)
• Chappaqua Central School District
• Niche – Chappaqua Central School District
• MTA Metro-North Harlem Line schedule
• MTA Metro-North fare table
• Wikipedia – Chappaqua, New York

Updated November 2026. Figures are the latest published at the time of writing and change month to month; confirm current numbers before making an offer. Tax estimates are illustrative, not a tax bill.