$0
9292 W Bay Harbor Dr Unit 200
Bay Harbor Islands, FL
3 bd4 ba3,200 sqft0
Condo
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Sarah Mitchell
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Compass Real Estate · Bay Harbor Islands, FL
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Bay Harbor Islands, FL(512) 555-0184TX License #0512847
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Bay Harbor Islands, FL Housing Market
Buyer's market+0.7% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Bay Harbor Islands, FL is worth $701,545, rose 0.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $2.82M, +213.3% year over year (through May 2026). With 8.8 months of supply and homes going under contract in about 152 days, Bay Harbor Islands is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $701,545 home is about $3,745/mo in principal and interest.
Key numbers for Bay Harbor Islands, FL
Typical home value
$701,545
+0.7% in 12 months
Zillow, August 2026
Typical asking rent
$5,048/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$2.82M
+213.3% year over year
Redfin, through May 2026
Days on market
152
Slow-moving
Redfin, through May 2026
Active listings
149
8.8 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$84,750
Home costs 8.3x income
U.S. Census ACS, 2023
Sale-to-list ratio
93.5%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Bay Harbor Islands a buyer's or seller's market?
Buyer's market8.8 months of supply152 days on market93.5% of asking
Bay Harbor Islands, FL is a buyer's market, based on 8.8 months of supply and homes selling in about 152 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Bay Harbor Islands housing market data show?
Every row below is Redfin's final published month for Bay Harbor Islands, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $2.82M |
| Median list price | $1.75M |
| Year-over-year price change | +213.3% |
| Median price per sq ft | $1,360/sq ft |
| Median days on market | 152 days |
| Active inventory | 149 listings |
| Months of supply | 8.8 months |
| Sale-to-list price ratio | 93.5% |
| Homes sold (that month) | 17 |
| New listings (that month) | 19 |
| Listings with a price cut | 12.8% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Bay Harbor Islands is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Bay Harbor Islands is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Bay Harbor Islands home prices moved?
Over the last three years the median sale price in Bay Harbor Islands, FL rose 267.4%, from $767,500 to $2.82M. The live Zillow value series has rose 0.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 12.8% of Bay Harbor Islands listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 8.8 months while the sale-to-list ratio slips below its current 93.5%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Bay Harbor Islands?
Priced off the typical home value of $701,545 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $140,309 | $561,236 | $3,745/mo |
| 5% | $35,077 | $666,468 | $4,447/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $3,745, that implies roughly $160,510 a year before you add taxes and insurance. The median household in Bay Harbor Islands earns $84,750, about $75,760 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 8.3x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Bay Harbor Islands in the next 12 months?
Tell us your timeline. We send the Bay Harbor Islands market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Bay Harbor Islands?
Typical asking rent in Bay Harbor Islands, FL is $5,048/mo, against a typical home value of $701,545. That is a price-to-rent ratio of 11.6x, which means buying tends to beat renting on monthly cost over a typical hold. Compared head to head, 20% down puts principal and interest at $3,745 a month — $1,303 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Bay Harbor Islands?
Active listings in Bay Harbor Islands, FL went from 158 in May 2025 to 149 in May 2026, a -5.7% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 161 | 19 |
| July 2025 | 166 | 25 |
| August 2025 | 147 | 18 |
| September 2025 | 148 | 23 |
| October 2025 | 153 | 31 |
| November 2025 | 162 | 26 |
| December 2025 | 156 | 13 |
| January 2026 | 157 | 30 |
| February 2026 | 153 | 17 |
| March 2026 | 169 | 44 |
| April 2026 | 168 | 28 |
| May 2026 | 149 | 19 |
Redfin, through May 2026
How does Bay Harbor Islands compare to Florida and the U.S.?
Bay Harbor Islands homes sell for $2.82M — 569% above the Florida median of $421,500. Against the national median of $410,700, Bay Harbor Islands runs 587% higher. Year-over-year, Bay Harbor Islands moved +213.3% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Bay Harbor Islands, FL | $2.82M | +213.3% | 152 days |
| Florida statewide | $421,500 | +2.6% | 66 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Bay Harbor Islands
What buyers should watch
- Months of supply, currently 8.8. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 12.8%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $702 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $701,545 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Bay Harbor Islands listing goes under contract in 152 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 93.5% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Bay Harbor Islands added 19 new listings against 17 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +0.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Bay Harbor Islands varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Bay Harbor Islands
There are currently 149 homes listed for sale in Bay Harbor Islands, Florida. The median listing price is $1.8M. Featured listings range from $545,000 to $5,319,600.
$545,000
10000 W Bay Harbor Dr Ph 4
Bay Harbor Islands, FL
2 bd3 ba1,441 sqft$378/ft²
Condo
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$879,000
9821 E Bay Harbor Dr Apt 502
Bay Harbor Islands, FL
2 bd2 ba1,142 sqft$770/ft²
Condo
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$895,000
9940 W Bay Harbor Dr Unit 6A-N
Bay Harbor Islands, FL
2 bd2 ba1,239 sqft$722/ft²
Condo
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$999,000
9940 W Bay Harbor Dr Unit 5E-N
Bay Harbor Islands, FL
2 bd2 ba1,106 sqft$903/ft²
Condo
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$1,050,000
9540 W Bay Harbor Dr Unit 301
Bay Harbor Islands, FL
2 bd3 ba791 sqft$1327/ft²
Condo
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$1,129,000
9261 E Bay Harbor Dr Unit 607
Bay Harbor Islands, FL
2 bd2 ba1,305 sqft$865/ft²
Condo
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$1,498,900
9901 W Bay Harbor Dr Apt 506
Bay Harbor Islands, FL
2 bd2 ba1,366 sqft$1097/ft²
Condo
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$2,250,000
9201 E Bay Harbor Dr Unit 604
Bay Harbor Islands, FL
2 bd3 ba1,861 sqft$1209/ft²
Condo
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$3,075,000
1130 100th St Unit 2B
Bay Harbor Islands, FL
4 bd5 ba3,201 sqft$961/ft²
Condo
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$4,504,000
10141 E Bay Harbor Dr Unit 702
Bay Harbor Islands, FL
3 bd4 ba2,815 sqft$1600/ft²
Condo
View photos & details
$5,319,600
10141 E Bay Harbor Dr Unit 703
Bay Harbor Islands, FL
3 bd4 ba3,224 sqft$1650/ft²
Condo
View photos & details
Looking to buy in Bay Harbor Islands?
Get connected with a local real estate expert — free, no obligation.
Active listings
149
Homes on market
Median list price
$1.8M
Avg. days on market
152
Days until sale
New this week
19
Newly listed
Price drops:12.8%of listings
Sale-to-list:93.5%
How much do homes cost in Bay Harbor Islands by property type?
How the Bay Harbor Islands, FL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $4.57M | $1,400/sq ft | 3 | 152 days |
| Condo / co-op | $2.19M | $1,321/sq ft | 14 | 160 days |
Who lives in Bay Harbor Islands?
American Community Survey estimates for Bay Harbor Islands. U.S. Census ACS, 2023
Population
5,793
Households
2,173
Median income
$84,750/yr
Median age
36 years
Owner-occupied
50.9%
Median home value
$542,700
Median gross rent
$2,348/mo
Mean commute
30.5 min
50.9% of occupied homes in Bay Harbor Islands are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $542,700 against Zillow's $701,545 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $2,348/mo, below Zillow's $5,048/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Bay Harbor Islands?
1 schools tracked · 1,241 students
The largest public schools serving Bay Harbor Islands, FL by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
RUTH K. BROAD BAY HARBOR K-8 CENTER
Grades PK-8 · 1,241 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Bay Harbor Islands, FL?
Ordered by distance from Bay Harbor Islands, not by size. Compare Bay Harbor Islands side by side with any of them.
Bay Harbor Islands housing market FAQ
Is Bay Harbor Islands a buyer's or seller's market?
Bay Harbor Islands, FL is currently a buyer's market. That read comes from 8.8 months of supply, homes going under contract in about 152 days, and sellers getting 93.5% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Bay Harbor Islands?
The typical home in Bay Harbor Islands, FL is worth $701,545 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $2.82M, about $1,360 per square foot.
Is Bay Harbor Islands cheaper than the rest of Florida?
Bay Harbor Islands's median sale price of $2.82M is 569% higher than the Florida statewide median of $421,500, and 587% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Bay Harbor Islands?
Homes in Bay Harbor Islands, FL spent a median of 152 days on market before going under contract, versus 66 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Bay Harbor Islands?
At the current 30-year fixed rate of 7.03%, 20% down on a $701,545 home is about $3,745 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $160,510 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $84,750.
Are home prices rising in Bay Harbor Islands?
The typical home value in Bay Harbor Islands, FL rose 0.7% over the last 12 months, from $696,615 to $701,545 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Bay Harbor Islands?
Bay Harbor Islands ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Bay Harbor Islands?
That depends on your timeline, not on a headline. What the data says today: Bay Harbor Islands, FL is a buyer's market with 8.8 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 11.6x means buying tends to beat renting on monthly cost over a typical hold. Properties Incorporated publishes the data; it does not give financial advice.
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