Market Overview
Home Prices in Cutchogue, NY
The median home value in Cutchogue, NY is $1,225,703 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.9% compared to a year ago and up 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cutchogue are priced199% above average. Cutchogue is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Cutchogue home values have risen by approximately31.4%, reflecting strong long-term appreciation in this market.
Price History
Cutchogue Home Price Trend
City Comparison
Cutchogue vs. National Median
At $1,225,703, homes in Cutchogue cost 199% above the national median of $410,000. Buyers in Cutchogue should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cutchogue?
20% Down Payment
$245,141
on $1,225,703
Monthly P&I
$6,393/mo
30-yr @ 6.8%
Total Monthly Est.
~$8,119/mo
incl. taxes & insurance
Income Needed
$324,760
gross annual (30% rule)
10% Down Option
$122,570
+ PMI applies
Loan Amount (20% dn)
$980,562
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 Cutchogue, NY?
The median home value in Cutchogue is $1,225,703 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.9% year-over-year.
How much have home prices changed in Cutchogue?
Over the past year, home values in Cutchogue have increased by 3.9%. Over five years, prices have risen approximately 31.4%.
How much do I need to earn to buy a home in Cutchogue?
To comfortably afford the median home price of $1,225,703 with a 20% down payment ($245,141) at today's rates (6.8%), you'd need a gross annual income of approximately $324,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Cutchogue compare to the national average home price?
The national median home value is approximately $410,000. At $1,225,703, homes in Cutchogue are 199% above the national average.
What metro area is Cutchogue part of?
Cutchogue 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.