The median home in Garden City, New York is valued at $1,294,333, up 8.1% year over year. Typical monthly rent is $5,136, producing a price-to-rent ratio of 21x — well above the national average of 18x. Garden City 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$1,294,333

+8.1%

Rent$5,136/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Garden City.

Income (annual)

Down Payment

$258,867 on $1,294,333

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

Out of reach136.8% of income

Need $366,429/yr to afford.

PITI$8,550

P/I136.8%

Afford$265K

Gap-$1.03M

P&I $6,545Tax $1,855Ins $150

Renting $3,414/mo cheaper ($5,136 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 Garden City 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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Garden City, NY