Market Overview
Home Prices in Mastic Beach, NY
The median home value in Mastic Beach, NY is $492,366 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.7% compared to a year ago and up 8.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mastic Beach are priced20% above average. Mastic Beach is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Mastic Beach home values have risen by approximately42.0%, reflecting strong long-term appreciation in this market.
Price History
Mastic Beach Home Price Trend
City Comparison
Mastic Beach vs. National Median
At $492,366, homes in Mastic Beach cost 20% above the national median of $410,000. Buyers in Mastic Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Mastic Beach?
20% Down Payment
$98,473
on $492,366
Monthly P&I
$2,568/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,261/mo
incl. taxes & insurance
Income Needed
$130,440
gross annual (30% rule)
10% Down Option
$49,237
+ PMI applies
Loan Amount (20% dn)
$393,893
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 Mastic Beach, NY?
The median home value in Mastic Beach is $492,366 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.7% year-over-year.
How much have home prices changed in Mastic Beach?
Over the past year, home values in Mastic Beach have increased by 0.7%. Over five years, prices have risen approximately 42.0%.
How much do I need to earn to buy a home in Mastic Beach?
To comfortably afford the median home price of $492,366 with a 20% down payment ($98,473) at today's rates (6.8%), you'd need a gross annual income of approximately $130,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Mastic Beach compare to the national average home price?
The national median home value is approximately $410,000. At $492,366, homes in Mastic Beach are 20% above the national average.
What metro area is Mastic Beach part of?
Mastic Beach 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.