Market Overview
Home Prices in Centereach, NY
The median home value in Centereach, NY is $652,337 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.2% compared to a year ago and up 5.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Centereach are priced59% above average. Centereach is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Centereach home values have risen by approximately38.7%, reflecting strong long-term appreciation in this market.
Price History
Centereach Home Price Trend
City Comparison
Centereach vs. National Median
At $652,337, homes in Centereach cost 59% above the national median of $410,000. Buyers in Centereach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Centereach?
20% Down Payment
$130,467
on $652,337
Monthly P&I
$3,402/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,321/mo
incl. taxes & insurance
Income Needed
$172,840
gross annual (30% rule)
10% Down Option
$65,234
+ PMI applies
Loan Amount (20% dn)
$521,870
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 Centereach, NY?
The median home value in Centereach is $652,337 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.2% year-over-year.
How much have home prices changed in Centereach?
Over the past year, home values in Centereach have increased by 6.2%. Over five years, prices have risen approximately 38.7%.
How much do I need to earn to buy a home in Centereach?
To comfortably afford the median home price of $652,337 with a 20% down payment ($130,467) at today's rates (6.8%), you'd need a gross annual income of approximately $172,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Centereach compare to the national average home price?
The national median home value is approximately $410,000. At $652,337, homes in Centereach are 59% above the national average.
What metro area is Centereach part of?
Centereach 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.