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Featured local agent — Baldwin Harbor, NY
Sarah Mitchell
Compass Real Estate · Baldwin Harbor, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Baldwin Harbor, NY Housing Market
The last median sale price Redfin published was $866,250, +38.6% year over year (through May 2026). With 1.5 months of supply and homes going under contract in about 41 days, Baldwin Harbor is a strong seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $866,250 home is about $4,453/mo in principal and interest.
Key numbers for Baldwin Harbor, NY
Median sale price
$866,250
+38.6% year over year
Redfin, through May 2026
Days on market
41
Average pace
Redfin, through May 2026
Active listings
18
1.5 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Sale-to-list ratio
100.2%
Selling above asking
Redfin, through May 2026
Zillow figures 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 Baldwin Harbor a buyer's or seller's market?
Baldwin Harbor, NY is a strong seller's market, based on 1.5 months of supply and homes selling in about 41 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Baldwin Harbor housing market data show?
Every row below is Redfin's final published month for Baldwin Harbor, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $866,250 |
| Median list price | $749,500 |
| Year-over-year price change | +38.6% |
| Median price per sq ft | $364/sq ft |
| Median days on market | 41 days |
| Active inventory | 18 listings |
| Months of supply | 1.5 months |
| Sale-to-list price ratio | 100.2% |
| Homes sold (that month) | 12 |
| New listings (that month) | 6 |
| Listings with a price cut | 22.2% |
| Market condition | Strong seller'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 Baldwin Harbor is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Baldwin Harbor 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 Baldwin Harbor home prices moved?
Over the last three years the median sale price in Baldwin Harbor, NY rose 61.3%, from $537,000 to $866,250. 22.2% of Baldwin Harbor 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 1.5 months while the sale-to-list ratio slips below its current 100.2%. 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 Baldwin Harbor?
Priced off the median sale price of $866,250 at the current 6.66% 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% | $173,250 | $693,000 | $4,453/mo |
| 5% | $43,313 | $822,938 | $5,288/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, August 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 $4,453, that implies roughly $190,860 a year before you add taxes and insurance. We do not hold a Census income figure for Baldwin Harbor, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Baldwin Harbor in the next 12 months?
Tell us your timeline. We send the Baldwin Harbor 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 Baldwin Harbor?
Zillow does not publish a rent index (ZORI) for Baldwin Harbor, NY, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Baldwin Harbor?
Active listings in Baldwin Harbor, NY went from 38 in May 2025 to 18 in May 2026, a -52.6% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 41 | 15 |
| July 2025 | 37 | 7 |
| August 2025 | 33 | 9 |
| September 2025 | 26 | 8 |
| October 2025 | 20 | 7 |
| November 2025 | 20 | 7 |
| December 2025 | 20 | 6 |
| January 2026 | 26 | 12 |
| February 2026 | 26 | 9 |
| March 2026 | 24 | 13 |
| April 2026 | 22 | 9 |
| May 2026 | 18 | 6 |
Redfin, through May 2026
How does Baldwin Harbor compare to New York and the U.S.?
Baldwin Harbor homes sell for $866,250 — 40% above the New York median of $620,500. Against the national median of $410,700, Baldwin Harbor runs 111% higher. Year-over-year, Baldwin Harbor moved +38.6% against New York's +5.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Baldwin Harbor, NY | $866,250 | +38.6% | 41 days |
| New York statewide | $620,500 | +5.1% | 42 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 Baldwin Harbor
What buyers should watch
- Months of supply, currently 1.5. 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 22.2%. 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 $835 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $866,250 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 Baldwin Harbor listing goes under contract in 41 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 100.2% of asking. Price at the number you want and let competition do the rest.
- In the last published month Baldwin Harbor added 6 new listings against 12 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Baldwin Harbor varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Baldwin Harbor
There are currently 18 homes listed for sale in Baldwin Harbor, New York. The median listing price is $750K.
Active listings
18
Homes on market
Median list price
$750K
Avg. days on market
41
Days until sale
New this week
6
Newly listed
How much do homes cost in Baldwin Harbor by property type?
How the Baldwin Harbor, NY 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 | $874,000 | $362/sq ft | 11 | 44 days |
| Condo / co-op | $600,000 | $490/sq ft | 1 | 15 days |
Which cities are near Baldwin Harbor, NY?
Ordered by distance from Baldwin Harbor, not by size. Compare Baldwin Harbor side by side with any of them.
Baldwin Harbor housing market FAQ
Is Baldwin Harbor a buyer's or seller's market?
Baldwin Harbor, NY is currently a strong seller's market. That read comes from 1.5 months of supply, homes going under contract in about 41 days, and sellers getting 100.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Baldwin Harbor?
The median sale price in the last month Redfin published was $866,250, about $364 per square foot.
Is Baldwin Harbor cheaper than the rest of New York?
Baldwin Harbor's median sale price of $866,250 is 40% higher than the New York statewide median of $620,500, and 111% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Baldwin Harbor?
Homes in Baldwin Harbor, NY spent a median of 41 days on market before going under contract, versus 42 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Baldwin Harbor?
At the current 30-year fixed rate of 6.66%, 20% down on a $866,250 home is about $4,453 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $190,860 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Baldwin Harbor?
Redfin's last published year-over-year change for Baldwin Harbor, NY was +38.6%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Baldwin Harbor?
Baldwin Harbor 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 Baldwin Harbor?
That depends on your timeline, not on a headline. What the data says today: Baldwin Harbor, NY is a strong seller's market with 1.5 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $866,250, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.