Market Overview
Home Prices in Gilgo-Oak Beach-Captree, NY
The median home value in Gilgo-Oak Beach-Captree, NY is $828,866 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0% compared to a year ago and down 0.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gilgo-Oak Beach-Captree are priced102% above average. Gilgo-Oak Beach-Captree is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Gilgo-Oak Beach-Captree home values have risen by approximately12.0%, reflecting steady appreciation in this market.
Price History
Gilgo-Oak Beach-Captree Home Price Trend
City Comparison
Gilgo-Oak Beach-Captree vs. National Median
🏠 Gilgo-Oak Beach-Captree
At $828,866, homes in Gilgo-Oak Beach-Captree cost 102% above the national median of $410,000. Buyers in Gilgo-Oak Beach-Captree should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Gilgo-Oak Beach-Captree?
20% Down Payment
$165,773
on $828,866
Monthly P&I
$4,323/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,490/mo
incl. taxes & insurance
Income Needed
$219,600
gross annual (30% rule)
10% Down Option
$82,887
+ PMI applies
Loan Amount (20% dn)
$663,093
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 Gilgo-Oak Beach-Captree, NY?
The median home value in Gilgo-Oak Beach-Captree is $828,866 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0% year-over-year.
How much have home prices changed in Gilgo-Oak Beach-Captree?
Over the past year, home values in Gilgo-Oak Beach-Captree have increased by 0%. Over five years, prices have risen approximately 12.0%.
How much do I need to earn to buy a home in Gilgo-Oak Beach-Captree?
To comfortably afford the median home price of $828,866 with a 20% down payment ($165,773) at today's rates (6.8%), you'd need a gross annual income of approximately $219,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Gilgo-Oak Beach-Captree compare to the national average home price?
The national median home value is approximately $410,000. At $828,866, homes in Gilgo-Oak Beach-Captree are 102% above the national average.
What metro area is Gilgo-Oak Beach-Captree part of?
Gilgo-Oak Beach-Captree 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.