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.
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Home Value$2,163,045
+5.2%
Rent$36,541/mo
AFFORDABILITYBuying $22,353/mo cheaper ($36,541 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Sag Harbor.
$432,609 on $2,163,045
Out of reach — 227% of income
Need $608,057/yr to afford.
PITI$14,188
P/I227%
Afford$267K
Gap-$1896K
P&I $10,938Tax $3,100Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full New York-Newark-Jersey City, NY-NJ-PA analysis
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