Market Overview
Home Prices in Atlantic Beach, NY
The median home value in Atlantic Beach, NY is $1,521,003 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.4% compared to a year ago and up 4.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Atlantic Beach are priced271% above average. Atlantic Beach is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Atlantic Beach home values have risen by approximately46.2%, reflecting strong long-term appreciation in this market.
Price History
Atlantic Beach Home Price Trend
City Comparison
Atlantic Beach vs. National Median
At $1,521,003, homes in Atlantic Beach cost 271% above the national median of $410,000. Buyers in Atlantic Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Atlantic Beach?
20% Down Payment
$304,201
on $1,521,003
Monthly P&I
$7,933/mo
30-yr @ 6.8%
Total Monthly Est.
~$10,075/mo
incl. taxes & insurance
Income Needed
$403,000
gross annual (30% rule)
10% Down Option
$152,100
+ PMI applies
Loan Amount (20% dn)
$1,216,802
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 Atlantic Beach, NY?
The median home value in Atlantic Beach is $1,521,003 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.4% year-over-year.
How much have home prices changed in Atlantic Beach?
Over the past year, home values in Atlantic Beach have increased by 8.4%. Over five years, prices have risen approximately 46.2%.
How much do I need to earn to buy a home in Atlantic Beach?
To comfortably afford the median home price of $1,521,003 with a 20% down payment ($304,201) at today's rates (6.8%), you'd need a gross annual income of approximately $403,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Atlantic Beach compare to the national average home price?
The national median home value is approximately $410,000. At $1,521,003, homes in Atlantic Beach are 271% above the national average.
What metro area is Atlantic Beach part of?
Atlantic Beach is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.