The median home in Southold, New York is valued at $1,085,536, up 2.6% year over year. Typical monthly rent is $16,250, producing a price-to-rent ratio of 5.6x — below the national average of 18x. Southold 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$1,085,536

+2.6%

Rent$16,250/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Southold.

Income (annual)

Down Payment

$217,107 on $1,085,536

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

Out of reach115.1% of income

Need $308,357/yr to afford.

PITI$7,195

P/I115.1%

Afford$264K

Gap-$822K

P&I $5,489Tax $1,556Ins $150

Buying $9,055/mo cheaper ($16,250 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 Southold 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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Southold, NY