Market Overview
Home Prices in Shirley, NY
The median home value in Shirley, NY is $545,095 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.5% compared to a year ago and up 6.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Shirley are priced33% above average. Shirley is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Shirley home values have risen by approximately41.4%, reflecting strong long-term appreciation in this market.
Price History
Shirley Home Price Trend
City Comparison
Shirley vs. National Median
At $545,095, homes in Shirley cost 33% above the national median of $410,000. Buyers in Shirley should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Shirley?
20% Down Payment
$109,019
on $545,095
Monthly P&I
$2,843/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,611/mo
incl. taxes & insurance
Income Needed
$144,440
gross annual (30% rule)
10% Down Option
$54,510
+ PMI applies
Loan Amount (20% dn)
$436,076
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 Shirley, NY?
The median home value in Shirley is $545,095 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.5% year-over-year.
How much have home prices changed in Shirley?
Over the past year, home values in Shirley have increased by 4.5%. Over five years, prices have risen approximately 41.4%.
How much do I need to earn to buy a home in Shirley?
To comfortably afford the median home price of $545,095 with a 20% down payment ($109,019) at today's rates (6.8%), you'd need a gross annual income of approximately $144,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Shirley compare to the national average home price?
The national median home value is approximately $410,000. At $545,095, homes in Shirley are 33% above the national average.
What metro area is Shirley part of?
Shirley 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.