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Cold Spring Harbor Real Estate Market Facts

  • $785,400Median home price
    174% higher than New York
  • $2,923Median rent asked
    152% higher than New York
  • 86.6%Home owners
    62% higher than New York
  • 2.9People per home
    9% higher than New York
The above shows an overview of the real estate market in Cold Spring Harbor, NY. Note how the median home price for Cold Spring Harbor, NY runs $785,400, which is 174% higher than the average property price for New York. So you’re going to get real estate in Cold Spring Harbor, NY that is on-average less affordable than what you’ll find in the rest of New York. As for rent, the median for Cold Spring Harbor, NY runs $2,923, which is comparatively 152% higher than the average rent for New York. For Cold Spring Harbor, NY, about 86.6% of the population consist of home owners with about 2.9 people living in each property on average. Whether you’re looking for condos or townhomes that are low-maintenance and affordable or sprawling mansions, Cold Spring Harbor, NY offers a wide variety of real estate. To find your perfect home in Cold Spring Harbor, NY, filter your choice by price, location, and number of beds and baths using the search area above.

Cold Spring Harbor Home Affordability

  • $785,400Median home price
    174% higher than New York
  • $162,750Median home income
    168% higher than New York
  • 4.8xHome price to income ratio
    2% higher than New York
When deciding where to purchase Cold Spring Harbor, NY real estate, home affordability is one of the top deciding factors. One way that you can calculate the affordability of your next home is to use this formula: median home price to median household income ratio. In Cold Spring Harbor, NY the median home price is $785,400 and $162,750 is the median household income. As a result, the home price to income ratio in Cold Spring Harbor, NY is 4.8x, which is 2% higher than the New York average. In order to determine the home affordability ratio, you would divide the median home price by the median home income. If you find that in Cold Spring Harbor, NY the home price to income ratio is lower than average, that means that in general, housing is more affordable. While there more than just one factor in deciding home affordability, you can use the home affordability calculator below as an additional tool when deciding how much you can and should pay for real estate in Cold Spring Harbor, NY.

Cold Spring Harbor Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
When looking for real estate in Cold Spring Harbor, NY, finding one that won't strain your budget is imperative. That's when the home affordability calculator comes in handy. It allows you to calculate the cost of a property in Cold Spring Harbor, NY, not only by considering your income, but debts and down payment amounts as well. You can personalize the home affordability calculator even further by adding in additional factors like length of mortgage term, property taxes, home insurance costs, mortgage rate, and HOA dues. The calculator will come up with an estimated cost of home ownership and display an amount that would fit within your budget. Knowing this figure will help you find a home that you can afford in Cold Spring Harbor, NY and keep you from looking at places that are out of financial reach. Therefore, you can avoid disappointment and emotional attachment to homes you would not be able to afford. Additionally, this tool allows you to balance your budget because it also calculates the amount of money left over for savings and other expenses.

Cold Spring Harbor Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
If I buy a real estate in Cold Spring Harbor, NY, what can I expect to pay monthly? There are a number of different factors that will go in to determining your monthly cost. While most people understand how significant the overall price of the house goes into determining the payment amount, it's also important to know that there are a variety of other variables to consider. These include things such as property taxes, private mortgage insurance (PMI), home owner's association dues, interest rate, and how much of a down payment has been made on the house. Understanding these is a great way to reduce overall payment. For example, you can reduce the private mortgage insurance by making a down payment of 20%. The mortgage calculator above will have all of these variables already filled out with default data, but you can customize it to give you a much more accurate reading. Generally speaking, you want to keep your debt to income ratio at about 36% when calculating your monthly house payment, which means paying no more than 36% of your monthly salary towards your housing and other debts.

Cold Spring Harbor Demographics

  • 5,055Population
  • 1,380People / sq mile
  • 45.6Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Wyandanch, NY10,722$238,00029%
Central Islip, NY34,724$252,70037%
North Amityville, NY20,150$271,80047%
Brentwood, NY61,438$280,80052%
Baywood, NY7,415$281,60052%
Cold Spring Harbor, NY5,055$785,400325%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Munroe Falls, OH5,055$160,20013%
Perry, OK5,056$79,20057%
Dacula, GA5,053$128,20031%
Lemmon Valley, NV5,057$147,70020%
Allegan, MI5,051$86,90053%
Cold Spring Harbor, NY5,055$785,400325%
Source: The Cold Spring Harbor, NY housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).