Market Overview
Home Prices in Oceanside, NY
The median home value in Oceanside, NY is $800,436 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5% compared to a year ago and up 4.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oceanside are priced95% above average. Oceanside is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Oceanside home values have risen by approximately29.0%, reflecting strong long-term appreciation in this market.
Price History
Oceanside Home Price Trend
City Comparison
Oceanside vs. National Median
At $800,436, homes in Oceanside cost 95% above the national median of $410,000. Buyers in Oceanside should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Oceanside?
20% Down Payment
$160,087
on $800,436
Monthly P&I
$4,175/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,302/mo
incl. taxes & insurance
Income Needed
$212,080
gross annual (30% rule)
10% Down Option
$80,044
+ PMI applies
Loan Amount (20% dn)
$640,349
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 Oceanside, NY?
The median home value in Oceanside is $800,436 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5% year-over-year.
How much have home prices changed in Oceanside?
Over the past year, home values in Oceanside have increased by 5%. Over five years, prices have risen approximately 29.0%.
How much do I need to earn to buy a home in Oceanside?
To comfortably afford the median home price of $800,436 with a 20% down payment ($160,087) at today's rates (6.8%), you'd need a gross annual income of approximately $212,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Oceanside compare to the national average home price?
The national median home value is approximately $410,000. At $800,436, homes in Oceanside are 95% above the national average.
What metro area is Oceanside part of?
Oceanside 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.