The median home in Bay Harbor Islands, Florida is valued at $648,784, down 5.4% year over year. Typical monthly rent is $2,936, producing a price-to-rent ratio of 18.4x — near the national average of 18x. Bay Harbor Islands is part of the Miami-Fort Lauderdale-Pompano Beach, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Miami-Fort Lauderdale-Pompano Beach, FL stress score, crash risk, and 12-month forecast →

Home Value$648,784

-5.4%

Rent$2,936/mo

AFFORDABILITY

Enter your income for Bay Harbor Islands.

Income (annual)

Down Payment

$129,757 on $648,784

Out of reach — 65.5% of income

Need $175,543/yr to afford.

PITI$4,096

P/I65.5%

Afford$277K

Gap-$372K

P&I $3,281Tax $465Ins $350

Renting $1,160/mo cheaper ($2,936 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Bay Harbor Islands with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Miami-Fort Lauderdale-Pompano Beach, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Miami-Fort Lauderdale-Pompano Beach, FL metro.

View Miami-Fort Lauderdale-Pompano Beach, FL metro →

BAY HARBOR ISLANDS, FL