Market Overview
Home Prices in Sea Cliff, NY
The median home value in Sea Cliff, NY is $1,141,440 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.8% compared to a year ago and up 6.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sea Cliff are priced178% above average. Sea Cliff is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Sea Cliff home values have risen by approximately36.9%, reflecting strong long-term appreciation in this market.
Price History
Sea Cliff Home Price Trend
City Comparison
Sea Cliff vs. National Median
At $1,141,440, homes in Sea Cliff cost 178% above the national median of $410,000. Buyers in Sea Cliff should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Sea Cliff?
20% Down Payment
$228,288
on $1,141,440
Monthly P&I
$5,953/mo
30-yr @ 6.8%
Total Monthly Est.
~$7,560/mo
incl. taxes & insurance
Income Needed
$302,400
gross annual (30% rule)
10% Down Option
$114,144
+ PMI applies
Loan Amount (20% dn)
$913,152
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 Sea Cliff, NY?
The median home value in Sea Cliff is $1,141,440 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.8% year-over-year.
How much have home prices changed in Sea Cliff?
Over the past year, home values in Sea Cliff have increased by 9.8%. Over five years, prices have risen approximately 36.9%.
How much do I need to earn to buy a home in Sea Cliff?
To comfortably afford the median home price of $1,141,440 with a 20% down payment ($228,288) at today's rates (6.8%), you'd need a gross annual income of approximately $302,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Sea Cliff compare to the national average home price?
The national median home value is approximately $410,000. At $1,141,440, homes in Sea Cliff are 178% above the national average.
What metro area is Sea Cliff part of?
Sea Cliff 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.