Quick answer: A home appraisal with Hudson View Appraisal Services costs $450 for an exterior-only appraisal or $600 for a full interior appraisal, for most single-family homes in Westchester, Putnam, Rockland, Orange, Dutchess and Fairfield (CT) counties. The exact appraisal fee depends on property size, type, and purpose — see below for what affects your cost.
What Is a Home Appraisal?
A home appraisal is an independent, professional opinion of a property's market value, prepared by a licensed appraiser after an on-site inspection and analysis of recent comparable sales. Lenders order one before approving a mortgage, but appraisals are also requested directly by homeowners, attorneys, and executors whenever a defensible, third-party value is needed — for a divorce settlement, an estate, a tax grievance, or a for-sale-by-owner listing.
An appraisal is not the same as a home inspection, which checks the condition of systems and components rather than value, or an automated online estimate, which is generated by a computer model with no inspection and can be off by a wide margin. A licensed appraiser physically examines the property, verifies its condition and square footage, and supports the final value with recent comparable sales in the same market.
What Does a Home Appraisal Cost?
Hudson View's home appraisals start at $600 for a full interior appraisal and $450 for an exterior-only inspection.
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Full interior appraisals are required whenever the value needs to hold up to scrutiny: divorce settlements and marital asset division, estate and trust planning, for-sale-by-owner (FSBO) pricing, and other fair-market-value determinations.
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Exterior-only appraisals are a faster, lower-cost option for straightforward valuations where accuracy requirements are less strict.
Straightforward single-family homes in Hudson View's core service area typically fall within the $450–$600 range. Larger, unique, or multi-family properties will cost more due to the additional research and scope of work involved. Every appraisal includes a full property inspection, a comparable-sales analysis, and a written report tailored to its purpose.
The Appraisal Process, Step by Step
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Schedule — Call (914) 289-2911 or request an appraisal online; Hudson View is available Monday–Saturday, 9am–6pm EST.
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Inspection — The appraiser visits the property (interior and exterior for a full appraisal, exterior only for an exterior-only appraisal) to verify condition, square footage, and features.
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Market research — The appraiser researches recent comparable sales in the immediate area to support the value conclusion.
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Report — A written appraisal report is prepared, tailored to the purpose of the assignment.
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Delivery — Most clients receive their completed report in about one week, with the report typically delivered one to two business days after the inspection — among the fastest turnaround times in the region.
How to Prepare for an Appraisal
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Make sure all areas of the home are accessible, especially for a full interior appraisal.
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Have a list ready of any recent renovations, upgrades, or repairs and roughly when they were done.
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Gather any permits, surveys, or prior appraisals if available — helpful, though not required.
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Tidy up so the appraiser can clearly see the condition of each room.
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Be ready to explain the reason for the appraisal (divorce, estate, tax grievance, FSBO, etc.) — it can affect which details matter most in the report.
Common Situations That Require an Appraisal
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Divorce & marital asset division — an independent value both sides and the court can rely on. See Legal Services.
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Estate & probate settlement — valuing a property for trust planning or an estate settlement. See Estate Planning.
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Property tax grievances & PMI removal — a supportable value to challenge an assessment or remove private mortgage insurance. See Reduce Your Taxes.
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FSBO (for-sale-by-owner) listings — setting an accurate asking price without a listing agent. See Real Estate Property.
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Expert witness & insurance appraisals — supportable valuation testimony and coverage-related value opinions. See Legal Services.
Service Area
Hudson View Appraisal Services is based in Cortlandt Manor, NY, and appraises homes throughout:
See the full service area map for details.
Frequently Asked Questions
What's the difference between an exterior-only and a full interior appraisal? Exterior-only works for quick assessments with less strict accuracy requirements. Full interior is required when a valuation must withstand scrutiny — divorce settlements, estate/probate proceedings, tax grievances, and FSBO listings.
Does cost vary by property or location? Straightforward single-family homes in the core service area typically fall within the $450–$600 range. Larger, unique, or multi-family properties may cost more due to additional research.
How quickly will I get my appraisal? Most clients receive their completed report in about one week, with the report typically delivered one to two business days after the inspection.
What's included in the fee? A full property inspection, a comparable-sales analysis, and a written report tailored to its purpose (divorce, estate/probate, tax grievance, or FSBO listing).
Do I need an appraisal if I already have a real estate agent's estimate? An agent's comparative market analysis is a helpful starting point, but it isn't an independent, licensed appraisal. Courts, the IRS, and lenders generally require a licensed appraiser's opinion of value, not an agent's estimate.
Can an appraisal help lower my property taxes? Yes — a current, independent appraisal is often the key piece of evidence in a property tax grievance if you believe your home is over-assessed.
Do you appraise condos, co-ops, and multi-family homes, not just single-family houses? Yes — Hudson View appraises single-family, multi-family, condominium, and cooperative properties.
What areas do you serve? Hudson View Appraisal Services appraises homes throughout Westchester, Rockland, Putnam, Orange, and Dutchess counties in New York, plus Manhattan, the Bronx, and Fairfield County, Connecticut.
How much does an FHA appraisal cost? FHA appraisals typically cost more than a standard conventional appraisal because they include an added review of the property against HUD’s minimum property standards, not just a market-value opinion. Larger or older homes that need a closer look at health-and-safety items may cost more as well. See our FHA appraisal page for what’s involved, or get started for an exact quote on your property.
How much does a condo or co-op appraisal cost? Condo and co-op appraisals generally fall in the same $450–$600 range as a single-family exterior/interior appraisal, since the scope of work is similar. Co-ops can take a bit longer to research because of building-specific share allocations and financials, which may add to the fee in some buildings. See our condominium and cooperative appraisal pages for details specific to each property type.
How much does a multi-family appraisal cost? Multi-family properties (two- to four-family homes) cost more than a single-family appraisal because every unit needs to be inspected individually. We don’t offer exterior-only appraisals for multi-family properties — a full interior inspection is required. Fees start at $800 and increase with the number of units and whether any are tenant-occupied. See our multi-family appraisal page for more on what’s involved, or get started for a quote specific to your property.
Do appraisal costs differ in Connecticut? Our pricing is generally consistent across the Hudson Valley and Fairfield County, CT — the main driver of cost is the property itself (size, age, and whether a full interior inspection is needed), not which side of the state line it’s on. See our Fairfield County, CT service area page for coverage details.
Get Started
"With very little time to acquire a home valuation myself, your service was outstanding, from the questions I had on the phone, to the final results." — Barbara Woods, Home Appraisal Client
Ready to schedule your appraisal? Get started online, call (914) 289-2911, or email amuller@hudsonview.net. Hudson View Appraisal Services — an honest appraisal you can trust.
