$899,000
223 Beach Rd
Centre Island, NY
Land3.00 acres
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Sarah Mitchell
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Compass Real Estate · Centre Island, NY
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Centre Island, NY(512) 555-0184TX License #0512847
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Centre Island, NY Housing Market
Balanced market
Redfin, through February 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The last median sale price Redfin published was $13.45M (through May 2026). With 0.5 months of supply and homes going under contract in about 128 days, Centre Island is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $13.45M home is about $71,803/mo in principal and interest.
Key numbers for Centre Island, NY
Median sale price
$13.45M
Last published period
Redfin, through February 2026
Days on market
128
Slow-moving
Redfin, through February 2026
Active listings
1
0.5 months of supply
Redfin, through February 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$213,542
Home costs 63.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
92.1%
Selling below asking
Redfin, through February 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 Centre Island a buyer's or seller's market?
Balanced market0.5 months of supply128 days on market92.1% of asking
Centre Island, NY is a balanced market, based on 0.5 months of supply and homes selling in about 128 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 Centre Island housing market data show?
Every row below is Redfin's final published month for Centre Island, NY. Redfin, through February 2026
| Metric | Value |
|---|---|
| Median sale price | $13.45M |
| Median price per sq ft | $862/sq ft |
| Median days on market | 128 days |
| Active inventory | 1 listings |
| Months of supply | 0.5 months |
| Sale-to-list price ratio | 92.1% |
| Homes sold (that month) | 2 |
| 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 Centre Island is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Centre Island 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 Centre Island home prices moved?
Across the 21 months we hold for Centre Island, NY, the median sale price rose 208.3%, from $4.36M in June 2021 to $13.45M. For prices to fall meaningfully from here, supply would have to keep building past 0.5 months while the sale-to-list ratio slips below its current 92.1%. Watch those two together — they move before the median does.
Redfin, through February 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Centre Island?
Priced off the median sale price of $13.45M 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% | $2.69M | $10.76M | $71,803/mo |
| 5% | $672,500 | $12.78M | $85,267/mo |
Redfin, through February 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 $71,803, that implies roughly $3.08M a year before you add taxes and insurance. The median household in Centre Island earns $213,542, about $2.86M short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 63.0x — 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 Centre Island in the next 12 months?
Tell us your timeline. We send the Centre Island 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 Centre Island?
Zillow does not publish a rent index (ZORI) for Centre Island, 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 Centre Island?
Active listings in Centre Island, NY went from 2 in April 2023 to 1 in February 2026, a -50.0% 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 |
|---|---|---|
| August 2023 | 3 | 2 |
| December 2023 | 3 | 1 |
| March 2024 | 4 | not published |
| April 2024 | 3 | not published |
| May 2024 | 3 | 1 |
| June 2024 | 3 | 1 |
| September 2024 | 2 | 1 |
| May 2025 | 3 | 1 |
| July 2025 | 5 | 2 |
| November 2025 | 5 | not published |
| December 2025 | 4 | not published |
| February 2026 | 1 | not published |
Redfin, through February 2026
How does Centre Island compare to New York and the U.S.?
Centre Island homes sell for $13.45M — 2068% above the New York median of $620,500. Against the national median of $410,700, Centre Island runs 3175% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Centre Island, NY | $13.45M | not published | 128 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through February 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Centre Island
What buyers should watch
- Months of supply, currently 0.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $13,463 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 $13.45M 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 Centre Island listing goes under contract in 128 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 92.1% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Comparable ZIP-level pricing inside Centre Island varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Centre Island
There are currently 1 homes listed for sale in Centre Island, New York. Featured listings range from $899,000 to $8,500,000.
$2,299,000
530 S Centre Island Rd
Centre Island, NY
5 bd7 ba4,685 sqft$491/ft²
House3.00 acres
View photos & details
$2,600,000
117 Centre Island Rd
Centre Island, NY
4 bd4 ba5,550 sqft$468/ft²
House3.01 acres
View photos & details
$5,500,000
353 Centre Island Rd
Centre Island, NY
3 bd3 ba3,000 sqft$1833/ft²
House
View photos & details
$6,750,000
145 Centre Island Rd
Centre Island, NY
5 bd8 ba5,800 sqft$1164/ft²
House17.30 acres
View photos & details
$6,750,000
144 Centre Island Rd
Centre Island, NY
Land17.30 acres
View photos & details
$8,500,000
200 Centre Island Rd
Centre Island, NY
6 bd8 ba7,047 sqft$1206/ft²
House1.71 acres
View photos & details
Looking to buy in Centre Island?
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Active listings
1
Homes on market
Avg. days on market
128
Days until sale
Sale-to-list:92.1%
How much do homes cost in Centre Island by property type?
How the Centre Island, NY market breaks down across single-family homes, condos and townhouses. Redfin, through February 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $13.45M | $862/sq ft | 2 | 128 days |
Who lives in Centre Island?
American Community Survey estimates for Centre Island. U.S. Census ACS, 2023
Population
308
Households
129
Median income
$213,542/yr
Median age
58.8 years
Owner-occupied
93.0%
Median home value
$1.65M
Mean commute
44.4 min
93.0% of occupied homes in Centre Island 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.
Which cities are near Centre Island, NY?
Ordered by distance from Centre Island, not by size. Compare Centre Island side by side with any of them.
Centre Island housing market FAQ
Is Centre Island a buyer's or seller's market?
Centre Island, NY is currently a balanced market. That read comes from 0.5 months of supply, homes going under contract in about 128 days, and sellers getting 92.1% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Centre Island?
The median sale price in the last month Redfin published was $13.45M, about $862 per square foot.
Is Centre Island cheaper than the rest of New York?
Centre Island's median sale price of $13.45M is 2068% higher than the New York statewide median of $620,500, and 3175% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Centre Island?
Homes in Centre Island, NY spent a median of 128 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 Centre Island?
At the current 30-year fixed rate of 7.03%, 20% down on a $13.45M home is about $71,803 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $3.08M a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $213,542.
Are home prices rising in Centre Island?
We do not hold a complete 12-month value series for Centre Island, NY yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Centre Island?
Centre Island 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 Centre Island?
That depends on your timeline, not on a headline. What the data says today: Centre Island, NY is a balanced market with 0.5 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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