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Featured local agent — Head of the Harbor, NY
Sarah Mitchell
Compass Real Estate · Head of the Harbor, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Head of the Harbor, NY Housing Market
The typical home in Head of the Harbor, NY is worth $1.36M, rose 13.1% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $1.69M (through May 2026). With 3.0 months of supply and homes going under contract in about 30 days, Head of the Harbor is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $1.36M home is about $7,012/mo in principal and interest.
Key numbers for Head of the Harbor, NY
Typical home value
$1.36M
+13.1% in 12 months
Zillow, July 2026
Median sale price
$1.69M
Last published period
Redfin, through May 2026
Days on market
30
Average pace
Redfin, through May 2026
Active listings
6
3.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$250,001
Home costs 5.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.1%
Selling above asking
Redfin, through May 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 Head of the Harbor a buyer's or seller's market?
Head of the Harbor, NY is a seller's market, based on 3.0 months of supply and homes selling in about 30 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Head of the Harbor housing market data show?
Every row below is Redfin's final published month for Head of the Harbor, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $1.69M |
| Median list price | $1.15M |
| Median price per sq ft | $425/sq ft |
| Median days on market | 30 days |
| Active inventory | 6 listings |
| Months of supply | 3.0 months |
| Sale-to-list price ratio | 100.1% |
| Homes sold (that month) | 2 |
| New listings (that month) | 3 |
| Market condition | 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 Head of the Harbor is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Head of the 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 Head of the Harbor home prices moved?
Over the last three years the median sale price in Head of the Harbor, NY rose 132.1%, from $727,000 to $1.69M. The live Zillow value series has rose 13.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 3.0 months while the sale-to-list ratio slips below its current 100.1%. 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 Head of the Harbor?
Priced off the typical home value of $1.36M 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% | $272,775 | $1.09M | $7,012/mo |
| 5% | $68,194 | $1.30M | $8,326/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 $7,012, that implies roughly $300,502 a year before you add taxes and insurance. The median household in Head of the Harbor earns $250,001, about $50,501 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 5.5x — 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 Head of the Harbor in the next 12 months?
Tell us your timeline. We send the Head of the 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 Head of the Harbor?
Zillow does not publish a rent index (ZORI) for Head of the 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 Head of the Harbor?
Active listings in Head of the Harbor, NY went from 6 in October 2024 to 6 in May 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| November 2024 | 6 | 3 |
| December 2024 | 5 | not published |
| January 2025 | 4 | 1 |
| March 2025 | 2 | not published |
| April 2025 | 5 | 3 |
| July 2025 | 5 | 2 |
| August 2025 | 3 | 1 |
| September 2025 | 4 | 1 |
| October 2025 | 5 | 1 |
| December 2025 | 4 | not published |
| March 2026 | 4 | 3 |
| May 2026 | 6 | 3 |
Redfin, through May 2026
How does Head of the Harbor compare to New York and the U.S.?
Head of the Harbor homes sell for $1.69M — 172% above the New York median of $620,500. Against the national median of $410,700, Head of the Harbor runs 311% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Head of the Harbor, NY | $1.69M | not published | 30 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 Head of the Harbor
What buyers should watch
- Months of supply, currently 3.0. 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 $1,315 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 $1.36M 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 Head of the Harbor listing goes under contract in 30 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 100.1% of asking. Price at the number you want and let competition do the rest.
- In the last published month Head of the Harbor added 3 new listings against 2 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +13.1% 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 Head of the Harbor varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Head of the Harbor
There are currently 6 homes listed for sale in Head of the Harbor, New York. The median listing price is $1.1M.
Active listings
6
Homes on market
Median list price
$1.1M
Avg. days on market
30
Days until sale
New this week
3
Newly listed
How much do homes cost in Head of the Harbor by property type?
How the Head of the 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 | $1.69M | $425/sq ft | 2 | 30 days |
Who lives in Head of the Harbor?
American Community Survey estimates for Head of the Harbor. U.S. Census ACS, 2023
Population
1,378
Households
459
Median income
$250,001/yr
Median age
46.6 years
Owner-occupied
95.9%
Median home value
$1.12M
Median gross rent
$2,833/mo
Mean commute
30.8 min
95.9% of occupied homes in Head of the Harbor 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 $1.12M against Zillow's $1.36M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Head of the Harbor, NY?
Ordered by distance from Head of the Harbor, not by size. Compare Head of the Harbor side by side with any of them.
Head of the Harbor housing market FAQ
Is Head of the Harbor a buyer's or seller's market?
Head of the Harbor, NY is currently a seller's market. That read comes from 3.0 months of supply, homes going under contract in about 30 days, and sellers getting 100.1% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Head of the Harbor?
The typical home in Head of the Harbor, NY is worth $1.36M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $1.69M, about $425 per square foot.
Is Head of the Harbor cheaper than the rest of New York?
Head of the Harbor's median sale price of $1.69M is 172% higher than the New York statewide median of $620,500, and 311% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Head of the Harbor?
Homes in Head of the Harbor, NY spent a median of 30 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 Head of the Harbor?
At the current 30-year fixed rate of 6.66%, 20% down on a $1.36M home is about $7,012 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $300,502 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $250,001.
Are home prices rising in Head of the Harbor?
The typical home value in Head of the Harbor, NY rose 13.1% over the last 12 months, from $1.21M to $1.36M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Head of the Harbor?
Head of the 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 Head of the Harbor?
That depends on your timeline, not on a headline. What the data says today: Head of the Harbor, NY is a seller's market with 3.0 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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