$875,000
11 Lodge Ln
Belle Terre, NY
4 bd4 ba2,900 sqft$302/ft²
House1.08 acres
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Sarah Mitchell
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Compass Real Estate · Belle Terre, NY
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Belle Terre, NY(512) 555-0184TX License #0512847
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Belle Terre, NY Housing Market
Balanced market+9.9% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through April 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Belle Terre, NY is worth $1.24M, rose 9.9% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $1.59M, +13.4% year over year (through May 2026). With 1.0 months of supply and homes going under contract in about 63 days, Belle Terre is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $1.24M home is about $6,375/mo in principal and interest.
Key numbers for Belle Terre, NY
Typical home value
$1.24M
+9.9% in 12 months
Zillow, July 2026
Median sale price
$1.59M
+13.4% year over year
Redfin, through April 2026
Days on market
63
Slow-moving
Redfin, through April 2026
Active listings
2
1.0 months of supply
Redfin, through April 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$178,750
Home costs 6.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
92.7%
Selling below asking
Redfin, through April 2026
Zillow figures are as of July 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 Belle Terre a buyer's or seller's market?
Balanced market1.0 months of supply63 days on market92.7% of asking
Belle Terre, NY is a balanced market, based on 1.0 months of supply and homes selling in about 63 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 Belle Terre housing market data show?
Every row below is Redfin's final published month for Belle Terre, NY. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $1.59M |
| Year-over-year price change | +13.4% |
| Median price per sq ft | $440/sq ft |
| Median days on market | 63 days |
| Active inventory | 2 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 92.7% |
| Homes sold (that month) | 2 |
| Listings with a price cut | 100.0% |
| Market condition | Balanced 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 Belle Terre is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Belle Terre 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 Belle Terre home prices moved?
Over the last three years the median sale price in Belle Terre, NY rose 156.0%, from $620,000 to $1.59M. The live Zillow value series has rose 9.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 100.0% of Belle Terre listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 92.7%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Belle Terre?
Priced off the typical home value of $1.24M 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% | $248,006 | $992,024 | $6,375/mo |
| 5% | $62,002 | $1.18M | $7,570/mo |
Zillow, July 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 $6,375, that implies roughly $273,215 a year before you add taxes and insurance. The median household in Belle Terre earns $178,750, about $94,465 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 6.9x — 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 Belle Terre in the next 12 months?
Tell us your timeline. We send the Belle Terre 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 Belle Terre?
Zillow does not publish a rent index (ZORI) for Belle Terre, 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 Belle Terre?
Active listings in Belle Terre, NY went from 8 in December 2024 to 2 in April 2026, a -75.0% 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 |
|---|---|---|
| March 2025 | 7 | 1 |
| April 2025 | 13 | 7 |
| June 2025 | 10 | 1 |
| July 2025 | 9 | 1 |
| August 2025 | 6 | not published |
| September 2025 | 9 | 4 |
| October 2025 | 7 | not published |
| November 2025 | 6 | not published |
| December 2025 | 3 | not published |
| January 2026 | 3 | 1 |
| February 2026 | 1 | not published |
| April 2026 | 2 | not published |
Redfin, through April 2026
How does Belle Terre compare to New York and the U.S.?
Belle Terre homes sell for $1.59M — 156% above the New York median of $620,500. Against the national median of $410,700, Belle Terre runs 287% higher. Year-over-year, Belle Terre moved +13.4% against New York's +5.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Belle Terre, NY | $1.59M | +13.4% | 63 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Belle Terre
What buyers should watch
- Months of supply, currently 1.0. 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 100.0%. 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 $1,195 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 $1.24M 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 Belle Terre listing goes under contract in 63 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 92.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved +9.9% 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 Belle Terre varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Belle Terre
There are currently 2 homes listed for sale in Belle Terre, New York. Featured listings range from $875,000 to $15,000,000.
$1,500,000
12 Lost Meadow Ln
Belle Terre, NY
4 bd3 ba4,000 sqft$375/ft²
House1.14 acres
View photos & details
$1,850,000
4 Arbutus Path
Belle Terre, NY
6 bd4 ba3,400 sqft$544/ft²
House1.00 acres
View photos & details
$1,999,999
83 Cliff Rd
Belle Terre, NY
5 bd5 ba6,184 sqft$323/ft²
House1.52 acres
View photos & details
$4,490,000
10 Pine Path
Belle Terre, NY
8 bd5 ba5,804 sqft$774/ft²
House3.85 acres
View photos & details
$15,000,000
Address unavailable
Belle Terre, NY
11 bd14 ba
House8.00 acres
View photos & details
Looking to buy in Belle Terre?
Get connected with a local real estate expert — free, no obligation.
Active listings
2
Homes on market
Avg. days on market
63
Days until sale
Price drops:100.0%of listings
Sale-to-list:92.7%
How much do homes cost in Belle Terre by property type?
How the Belle Terre, NY market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.59M | $440/sq ft | 2 | 63 days |
Who lives in Belle Terre?
American Community Survey estimates for Belle Terre. U.S. Census ACS, 2023
Population
766
Households
276
Median income
$178,750/yr
Median age
52.2 years
Owner-occupied
98.2%
Median home value
$1.08M
Mean commute
32.9 min
98.2% of occupied homes in Belle Terre 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 $1.08M against Zillow's $1.24M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Belle Terre, NY?
Ordered by distance from Belle Terre, not by size. Compare Belle Terre side by side with any of them.
Belle Terre housing market FAQ
Is Belle Terre a buyer's or seller's market?
Belle Terre, NY is currently a balanced market. That read comes from 1.0 months of supply, homes going under contract in about 63 days, and sellers getting 92.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Belle Terre?
The typical home in Belle Terre, NY is worth $1.24M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $1.59M, about $440 per square foot.
Is Belle Terre cheaper than the rest of New York?
Belle Terre's median sale price of $1.59M is 156% higher than the New York statewide median of $620,500, and 287% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Belle Terre?
Homes in Belle Terre, NY spent a median of 63 days on market before going under contract, versus 42 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 Belle Terre?
At the current 30-year fixed rate of 6.66%, 20% down on a $1.24M home is about $6,375 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $273,215 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $178,750.
Are home prices rising in Belle Terre?
The typical home value in Belle Terre, NY rose 9.9% over the last 12 months, from $1.13M to $1.24M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Belle Terre?
Belle Terre 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 Belle Terre?
That depends on your timeline, not on a headline. What the data says today: Belle Terre, NY is a balanced market with 1.0 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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