Market Overview
Home Prices in Stone Harbor, NJ
The median home value in Stone Harbor, NJ is $2,632,023 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 10.3% compared to a year ago and down 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stone Harbor are priced542% above average. Stone Harbor is part of the Ocean City, NJ metro area.
Over the past five years, Stone Harbor home values have risen by approximately39.4%, reflecting strong long-term appreciation in this market.
Price History
Stone Harbor Home Price Trend
City Comparison
Stone Harbor vs. National Median
At $2,632,023, homes in Stone Harbor cost 542% above the national median of $410,000. Buyers in Stone Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Stone Harbor?
20% Down Payment
$526,405
on $2,632,023
Monthly P&I
$13,727/mo
30-yr @ 6.8%
Total Monthly Est.
~$17,433/mo
incl. taxes & insurance
Income Needed
$697,320
gross annual (30% rule)
10% Down Option
$263,202
+ PMI applies
Loan Amount (20% dn)
$2,105,618
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Stone Harbor, NJ?
The median home value in Stone Harbor is $2,632,023 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 10.3% year-over-year.
How much have home prices changed in Stone Harbor?
Over the past year, home values in Stone Harbor have increased by 10.3%. Over five years, prices have risen approximately 39.4%.
How much do I need to earn to buy a home in Stone Harbor?
To comfortably afford the median home price of $2,632,023 with a 20% down payment ($526,405) at today's rates (6.8%), you'd need a gross annual income of approximately $697,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Stone Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $2,632,023, homes in Stone Harbor are 542% above the national average.
What metro area is Stone Harbor part of?
Stone Harbor is part of the Ocean City, NJ metropolitan area. Home prices and market conditions can vary across the broader metro region.