Market Overview
Home Prices in Henderson Harbor, NY
The median home value in Henderson Harbor, NY is $418,443 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.3% compared to a year ago and up 2.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Henderson Harbor are priced2% above average. Henderson Harbor is part of the Watertown-Fort Drum, NY metro area.
Price History
Henderson Harbor Home Price Trend
2024
$380,566
$381K
—
2025
$390,016
$390K
+2.5%
2026
$418,443
$418K
+7.3%
City Comparison
Henderson Harbor vs. National Median
🏠 Henderson Harbor
$418,443
National Median
$410,000
At $418,443, homes in Henderson Harbor cost 2% above the national median of $410,000. Buyers in Henderson Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Henderson Harbor?
20% Down Payment
$83,689
on $418,443
Monthly P&I
$2,182/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,771/mo
incl. taxes & insurance
Income Needed
$110,840
gross annual (30% rule)
10% Down Option
$41,844
+ PMI applies
Loan Amount (20% dn)
$334,754
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 Henderson Harbor, NY?
The median home value in Henderson Harbor is $418,443 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.3% year-over-year.
How much have home prices changed in Henderson Harbor?
Over the past year, home values in Henderson Harbor have increased by 7.3%.
How much do I need to earn to buy a home in Henderson Harbor?
To comfortably afford the median home price of $418,443 with a 20% down payment ($83,689) at today's rates (6.8%), you'd need a gross annual income of approximately $110,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Henderson Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $418,443, homes in Henderson Harbor are 2% above the national average.
What metro area is Henderson Harbor part of?
Henderson Harbor is part of the Watertown-Fort Drum, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.