The median home in Cold Spring Harbor, New York is valued at $1,666,025, up 0.5% year over year. Cold Spring Harbor 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$1,666,025

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for Cold Spring Harbor.

Income (annual)

Down Payment

$333,205 on $1,666,025

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

Out of reach175.4% of income

Need $469,800/yr to afford.

PITI$10,962

P/I175.4%

Afford$266K

Gap-$1.4M

P&I $8,424Tax $2,388Ins $150

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 Cold Spring Harbor 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

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Cold Spring Harbor, NY