Market Overview
Home Prices in North Bay Shore, NY
The median home value in North Bay Shore, NY is $624,294 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.5% compared to a year ago and up 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in North Bay Shore are priced52% above average. North Bay Shore is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, North Bay Shore home values have risen by approximately25.8%, reflecting strong long-term appreciation in this market.
Price History
North Bay Shore Home Price Trend
City Comparison
North Bay Shore vs. National Median
At $624,294, homes in North Bay Shore cost 52% above the national median of $410,000. Buyers in North Bay Shore should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in North Bay Shore?
20% Down Payment
$124,859
on $624,294
Monthly P&I
$3,256/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,135/mo
incl. taxes & insurance
Income Needed
$165,400
gross annual (30% rule)
10% Down Option
$62,429
+ PMI applies
Loan Amount (20% dn)
$499,435
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 North Bay Shore, NY?
The median home value in North Bay Shore is $624,294 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.5% year-over-year.
How much have home prices changed in North Bay Shore?
Over the past year, home values in North Bay Shore have increased by 2.5%. Over five years, prices have risen approximately 25.8%.
How much do I need to earn to buy a home in North Bay Shore?
To comfortably afford the median home price of $624,294 with a 20% down payment ($124,859) at today's rates (6.8%), you'd need a gross annual income of approximately $165,400. This assumes keeping total housing costs at or below 30% of gross income.
How does North Bay Shore compare to the national average home price?
The national median home value is approximately $410,000. At $624,294, homes in North Bay Shore are 52% above the national average.
What metro area is North Bay Shore part of?
North Bay Shore 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.