Market Overview
Home Prices in Bay Shore, NY
The median home value in Bay Shore, NY is $663,767 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3% compared to a year ago and up 1.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bay Shore are priced62% above average. Bay Shore is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Bay Shore home values have risen by approximately23.8%, reflecting strong long-term appreciation in this market.
Price History
Bay Shore Home Price Trend
City Comparison
Bay Shore vs. National Median
At $663,767, homes in Bay Shore cost 62% above the national median of $410,000. Buyers in Bay Shore should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Bay Shore?
20% Down Payment
$132,753
on $663,767
Monthly P&I
$3,462/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,397/mo
incl. taxes & insurance
Income Needed
$175,880
gross annual (30% rule)
10% Down Option
$66,377
+ PMI applies
Loan Amount (20% dn)
$531,014
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 Bay Shore, NY?
The median home value in Bay Shore is $663,767 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3% year-over-year.
How much have home prices changed in Bay Shore?
Over the past year, home values in Bay Shore have increased by 3%. Over five years, prices have risen approximately 23.8%.
How much do I need to earn to buy a home in Bay Shore?
To comfortably afford the median home price of $663,767 with a 20% down payment ($132,753) at today's rates (6.8%), you'd need a gross annual income of approximately $175,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Bay Shore compare to the national average home price?
The national median home value is approximately $410,000. At $663,767, homes in Bay Shore are 62% above the national average.
What metro area is Bay Shore part of?
Bay Shore 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.