The median home in Sag Harbor, New York is valued at $2,163,045, up 5.2% year over year. Typical monthly rent is $36,541, producing a price-to-rent ratio of 4.9x — below the national average of 18x. Sag 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$2,163,045

+5.2%

Rent$36,541/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Sag Harbor.

Income (annual)

Down Payment

$432,609 on $2,163,045

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

Out of reach227% of income

Need $608,057/yr to afford.

PITI$14,188

P/I227%

Afford$267K

Gap-$1.9M

P&I $10,938Tax $3,100Ins $150

Buying $22,353/mo cheaper ($36,541 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 Sag 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

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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Sag Harbor, NY