Market Overview
Home Prices in Head of the Harbor, NY
The median home value in Head of the Harbor, NY is $1,369,869 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 12.8% compared to a year ago and up 5.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Head of the Harbor are priced234% above average. Head of the Harbor is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Head of the Harbor home values have risen by approximately36.5%, reflecting strong long-term appreciation in this market.
Price History
Head of the Harbor Home Price Trend
City Comparison
Head of the Harbor vs. National Median
At $1,369,869, homes in Head of the Harbor cost 234% above the national median of $410,000. Buyers in Head of the Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Head of the Harbor?
20% Down Payment
$273,974
on $1,369,869
Monthly P&I
$7,144/mo
30-yr @ 6.8%
Total Monthly Est.
~$9,073/mo
incl. taxes & insurance
Income Needed
$362,920
gross annual (30% rule)
10% Down Option
$136,987
+ PMI applies
Loan Amount (20% dn)
$1,095,895
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 Head of the Harbor, NY?
The median home value in Head of the Harbor is $1,369,869 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 12.8% year-over-year.
How much have home prices changed in Head of the Harbor?
Over the past year, home values in Head of the Harbor have increased by 12.8%. Over five years, prices have risen approximately 36.5%.
How much do I need to earn to buy a home in Head of the Harbor?
To comfortably afford the median home price of $1,369,869 with a 20% down payment ($273,974) at today's rates (6.8%), you'd need a gross annual income of approximately $362,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Head of the Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $1,369,869, homes in Head of the Harbor are 234% above the national average.
What metro area is Head of the Harbor part of?
Head of the 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.