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.
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Home Value$1,085,536
+2.6%
Rent$16,250/mo
AFFORDABILITYBuying $9,055/mo cheaper ($16,250 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Southold.
$217,107 on $1,085,536
Out of reach — 115.1% 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
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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