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Featured local agent — Harbor Hills, NY
Sarah Mitchell
Compass Real Estate · Harbor Hills, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Harbor Hills, NY Housing Market
The last median sale price Redfin published was $2.99M, +59.6% year over year (through May 2026). With homes going under contract in about 141 days, Harbor Hills is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $2.99M home is about $15,374/mo in principal and interest.
Key numbers for Harbor Hills, NY
Median sale price
$2.99M
+59.6% year over year
Redfin, through May 2026
Days on market
141
Slow-moving
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$144,519
Home costs 20.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
88.3%
Selling below 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 Harbor Hills a buyer's or seller's market?
Harbor Hills, NY is a buyer's market and homes selling in about 141 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Harbor Hills housing market data show?
Every row below is Redfin's final published month for Harbor Hills, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $2.99M |
| Year-over-year price change | +59.6% |
| Median price per sq ft | $883/sq ft |
| Median days on market | 141 days |
| Sale-to-list price ratio | 88.3% |
| Homes sold (that month) | 2 |
| 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 Harbor Hills is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Harbor Hills 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 Harbor Hills home prices moved?
Across the 29 months we hold for Harbor Hills, NY, the median sale price rose 101.0%, from $1.49M in April 2021 to $2.99M.
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 Harbor Hills?
Priced off the median sale price of $2.99M 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% | $598,100 | $2.39M | $15,374/mo |
| 5% | $149,525 | $2.84M | $18,257/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 $15,374, that implies roughly $658,895 a year before you add taxes and insurance. The median household in Harbor Hills earns $144,519, about $514,376 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 20.7x — 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 Harbor Hills in the next 12 months?
Tell us your timeline. We send the Harbor Hills 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 Harbor Hills?
Zillow does not publish a rent index (ZORI) for Harbor Hills, 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 Harbor Hills?
Active listings in Harbor Hills, NY went from 2 in September 2022 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 |
|---|---|---|
| November 2022 | 1 | 1 |
| March 2023 | 1 | not published |
| September 2023 | 2 | 2 |
| December 2023 | 1 | not published |
| March 2025 | 2 | 2 |
| April 2025 | 1 | 1 |
| May 2025 | 3 | 2 |
| July 2025 | 2 | not published |
| September 2025 | 1 | not published |
| October 2025 | 1 | not published |
| November 2025 | 1 | not published |
| February 2026 | 1 | not published |
Redfin, through February 2026
How does Harbor Hills compare to New York and the U.S.?
Harbor Hills homes sell for $2.99M — 382% above the New York median of $620,500. Against the national median of $410,700, Harbor Hills runs 628% higher. Year-over-year, Harbor Hills moved +59.6% against New York's +5.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Harbor Hills, NY | $2.99M | +59.6% | 141 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 Harbor Hills
What buyers should watch
- The gap between 5% and 20% down here is $2,883 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 $2.99M 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 Harbor Hills listing goes under contract in 141 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 88.3% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Comparable ZIP-level pricing inside Harbor Hills varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Harbor Hills
Explore homes currently listed for sale in Harbor Hills, New York across major real estate platforms.
How much do homes cost in Harbor Hills by property type?
How the Harbor Hills, 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 | $2.99M | $883/sq ft | 2 | 141 days |
Who lives in Harbor Hills?
American Community Survey estimates for Harbor Hills. U.S. Census ACS, 2023
Population
520
Households
171
Median income
$144,519/yr
Median age
32.8 years
Owner-occupied
100.0%
Median home value
$1.64M
Mean commute
42.1 min
100.0% of occupied homes in Harbor Hills 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 Harbor Hills, NY?
Ordered by distance from Harbor Hills, not by size. Compare Harbor Hills side by side with any of them.
Harbor Hills housing market FAQ
Is Harbor Hills a buyer's or seller's market?
Harbor Hills, NY is currently a buyer's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Harbor Hills?
The median sale price in the last month Redfin published was $2.99M, about $883 per square foot.
Is Harbor Hills cheaper than the rest of New York?
Harbor Hills's median sale price of $2.99M is 382% higher than the New York statewide median of $620,500, and 628% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Harbor Hills?
Homes in Harbor Hills, NY spent a median of 141 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 Harbor Hills?
At the current 30-year fixed rate of 6.66%, 20% down on a $2.99M home is about $15,374 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $658,895 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $144,519.
Are home prices rising in Harbor Hills?
Redfin's last published year-over-year change for Harbor Hills, NY was +59.6%, 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 Harbor Hills?
Harbor Hills 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 Harbor Hills?
That depends on your timeline, not on a headline. What the data says today: Harbor Hills, NY is a buyer's market, 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 $2.99M, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.