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Featured local agent — Harbor Isle, NY
Sarah Mitchell
Compass Real Estate · Harbor Isle, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Harbor Isle, NY Housing Market
The last median sale price Redfin published was $840,000, +36.6% year over year (through May 2026). With 0.7 months of supply and homes going under contract in about 12 days, Harbor Isle is a strong seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $840,000 home is about $4,484/mo in principal and interest.
Key numbers for Harbor Isle, NY
Median sale price
$840,000
+36.6% year over year
Redfin, through April 2026
Days on market
12
Fast-moving
Redfin, through April 2026
Active listings
2
0.7 months of supply
Redfin, through April 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$124,681
Home costs 6.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
105.4%
Selling above asking
Redfin, through April 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 Isle a buyer's or seller's market?
Harbor Isle, NY is a strong seller's market, based on 0.7 months of supply and homes selling in about 12 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 Harbor Isle housing market data show?
Every row below is Redfin's final published month for Harbor Isle, NY. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $840,000 |
| Median list price | $749,000 |
| Year-over-year price change | +36.6% |
| Median price per sq ft | $453/sq ft |
| Median days on market | 12 days |
| Active inventory | 2 listings |
| Months of supply | 0.7 months |
| Sale-to-list price ratio | 105.4% |
| Homes sold (that month) | 3 |
| New listings (that month) | 1 |
| 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 Harbor Isle is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Harbor Isle 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 Isle home prices moved?
Over the last three years the median sale price in Harbor Isle, NY rose 29.2%, from $650,188 to $840,000. For prices to fall meaningfully from here, supply would have to keep building past 0.7 months while the sale-to-list ratio slips below its current 105.4%. 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 Harbor Isle?
Priced off the median sale price of $840,000 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% | $168,000 | $672,000 | $4,484/mo |
| 5% | $42,000 | $798,000 | $5,325/mo |
Redfin, through April 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 $4,484, that implies roughly $192,188 a year before you add taxes and insurance. The median household in Harbor Isle earns $124,681, about $67,507 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 6.7x — 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 Isle in the next 12 months?
Tell us your timeline. We send the Harbor Isle 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 Isle?
Zillow does not publish a rent index (ZORI) for Harbor Isle, 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 Isle?
Active listings in Harbor Isle, NY went from 3 in July 2024 to 2 in April 2026, a -33.3% 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 2024 | 4 | 1 |
| February 2025 | 4 | 1 |
| March 2025 | 7 | 4 |
| April 2025 | 8 | 3 |
| June 2025 | 8 | 2 |
| August 2025 | 5 | not published |
| September 2025 | 3 | not published |
| October 2025 | 4 | 1 |
| November 2025 | 4 | 1 |
| December 2025 | 3 | not published |
| March 2026 | 1 | not published |
| April 2026 | 2 | 1 |
Redfin, through April 2026
How does Harbor Isle compare to New York and the U.S.?
Harbor Isle homes sell for $840,000 — 35% above the New York median of $620,500. Against the national median of $410,700, Harbor Isle runs 105% higher. Year-over-year, Harbor Isle moved +36.6% against New York's +5.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Harbor Isle, NY | $840,000 | +36.6% | 12 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 Harbor Isle
What buyers should watch
- Months of supply, currently 0.7. 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 $841 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 $840,000 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 Isle listing goes under contract in 12 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 105.4% of asking. Price at the number you want and let competition do the rest.
- In the last published month Harbor Isle added 1 new listings against 3 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Harbor Isle varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Harbor Isle
There are currently 2 homes listed for sale in Harbor Isle, New York. The median listing price is $749K.
Active listings
2
Homes on market
Median list price
$749K
Avg. days on market
12
Days until sale
New this week
1
Newly listed
How much do homes cost in Harbor Isle by property type?
How the Harbor Isle, 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 | $840,000 | $453/sq ft | 3 | 12 days |
Who lives in Harbor Isle?
American Community Survey estimates for Harbor Isle. U.S. Census ACS, 2023
Population
1,401
Households
460
Median income
$124,681/yr
Median age
47.8 years
Owner-occupied
84.1%
Median home value
$606,500
Mean commute
51.3 min
84.1% of occupied homes in Harbor Isle 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 Isle, NY?
Ordered by distance from Harbor Isle, not by size. Compare Harbor Isle side by side with any of them.
Harbor Isle housing market FAQ
Is Harbor Isle a buyer's or seller's market?
Harbor Isle, NY is currently a strong seller's market. That read comes from 0.7 months of supply, homes going under contract in about 12 days, and sellers getting 105.4% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Harbor Isle?
The median sale price in the last month Redfin published was $840,000, about $453 per square foot.
Is Harbor Isle cheaper than the rest of New York?
Harbor Isle's median sale price of $840,000 is 35% higher than the New York statewide median of $620,500, and 105% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Harbor Isle?
Homes in Harbor Isle, NY spent a median of 12 days on market before going under contract, versus 42 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Harbor Isle?
At the current 30-year fixed rate of 7.03%, 20% down on a $840,000 home is about $4,484 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $192,188 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $124,681.
Are home prices rising in Harbor Isle?
Redfin's last published year-over-year change for Harbor Isle, NY was +36.6%, 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 Isle?
Harbor Isle 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 Isle?
That depends on your timeline, not on a headline. What the data says today: Harbor Isle, NY is a strong seller's market with 0.7 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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One email: what homes are actually clearing at around $840,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.