The median home in Centereach, New York is valued at $625,297, up 5.0% year over year. Typical monthly rent is $3,878, producing a price-to-rent ratio of 13.4x — below the national average of 18x. Centereach is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$625,297

+5.0%

Rent$3,878/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$125,059 on $625,297

Example: $75,000 household income. Change it above to see your own.

Out of reach67.3% of income

Need $180,343/yr to afford.

PITI$4,208

P/I67.3%

Afford$260K

Gap-$365K

P&I $3,162Tax $896Ins $150

Renting $330/mo cheaper ($3,878 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Other cities in New York

Compare Centereach with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

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Centereach, NY