Market Overview
Home Prices in Ocean Beach, NY
The median home value in Ocean Beach, NY is $1,455,731 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 15.9% compared to a year ago and down 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ocean Beach are priced255% above average. Ocean Beach is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Ocean Beach home values have risen by approximately55.5%, reflecting strong long-term appreciation in this market.
Price History
Ocean Beach Home Price Trend
City Comparison
Ocean Beach vs. National Median
At $1,455,731, homes in Ocean Beach cost 255% above the national median of $410,000. Buyers in Ocean Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Ocean Beach?
20% Down Payment
$291,146
on $1,455,731
Monthly P&I
$7,592/mo
30-yr @ 6.8%
Total Monthly Est.
~$9,642/mo
incl. taxes & insurance
Income Needed
$385,680
gross annual (30% rule)
10% Down Option
$145,573
+ PMI applies
Loan Amount (20% dn)
$1,164,585
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 Ocean Beach, NY?
The median home value in Ocean Beach is $1,455,731 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 15.9% year-over-year.
How much have home prices changed in Ocean Beach?
Over the past year, home values in Ocean Beach have increased by 15.9%. Over five years, prices have risen approximately 55.5%.
How much do I need to earn to buy a home in Ocean Beach?
To comfortably afford the median home price of $1,455,731 with a 20% down payment ($291,146) at today's rates (6.8%), you'd need a gross annual income of approximately $385,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Ocean Beach compare to the national average home price?
The national median home value is approximately $410,000. At $1,455,731, homes in Ocean Beach are 255% above the national average.
What metro area is Ocean Beach part of?
Ocean 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.