Market Overview
Home Prices in Cold Spring Harbor, NY
The median home value in Cold Spring Harbor, NY is $1,825,188 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.5% compared to a year ago and up 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cold Spring Harbor are priced345% above average. Cold Spring Harbor is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Cold Spring Harbor home values have risen by approximately22.7%, reflecting strong long-term appreciation in this market.
Price History
Cold Spring Harbor Home Price Trend
City Comparison
Cold Spring Harbor vs. National Median
At $1,825,188, homes in Cold Spring Harbor cost 345% above the national median of $410,000. Buyers in Cold Spring Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cold Spring Harbor?
20% Down Payment
$365,038
on $1,825,188
Monthly P&I
$9,519/mo
30-yr @ 6.8%
Total Monthly Est.
~$12,089/mo
incl. taxes & insurance
Income Needed
$483,560
gross annual (30% rule)
10% Down Option
$182,519
+ PMI applies
Loan Amount (20% dn)
$1,460,150
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 Cold Spring Harbor, NY?
The median home value in Cold Spring Harbor is $1,825,188 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.5% year-over-year.
How much have home prices changed in Cold Spring Harbor?
Over the past year, home values in Cold Spring Harbor have increased by 3.5%. Over five years, prices have risen approximately 22.7%.
How much do I need to earn to buy a home in Cold Spring Harbor?
To comfortably afford the median home price of $1,825,188 with a 20% down payment ($365,038) at today's rates (6.8%), you'd need a gross annual income of approximately $483,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Cold Spring Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $1,825,188, homes in Cold Spring Harbor are 345% above the national average.
What metro area is Cold Spring Harbor part of?
Cold Spring Harbor 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.