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Featured local agent — Wainscott, NY
Sarah Mitchell
Compass Real Estate · Wainscott, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Wainscott, NY Housing Market
The typical home in Wainscott, NY is worth $3.91M, fell 1.8% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $2.00M (through May 2026). With 3.0 months of supply and homes going under contract in about 52 days, Wainscott is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $3.91M home is about $20,098/mo in principal and interest.
Key numbers for Wainscott, NY
Typical home value
$3.91M
-1.8% in 12 months
Zillow, July 2026
Median sale price
$2.00M
Last published period
Redfin, through September 2025
Days on market
52
Average pace
Redfin, through September 2025
Active listings
3
3.0 months of supply
Redfin, through September 2025
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$135,625
Home costs 28.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
105.3%
Selling above asking
Redfin, through September 2025
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 Wainscott a buyer's or seller's market?
Wainscott, NY is a seller's market, based on 3.0 months of supply and homes selling in about 52 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 Wainscott housing market data show?
Every row below is Redfin's final published month for Wainscott, NY. Redfin, through September 2025
| Metric | Value |
|---|---|
| Median sale price | $2.00M |
| Median list price | $3.00M |
| Median price per sq ft | $1,600/sq ft |
| Median days on market | 52 days |
| Active inventory | 3 listings |
| Months of supply | 3.0 months |
| Sale-to-list price ratio | 105.3% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| 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 Wainscott is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Wainscott 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 Wainscott home prices moved?
Across the 16 months we hold for Wainscott, NY, the median sale price fell 28.9%, from $2.81M in April 2021 to $2.00M. The live Zillow value series has fell 1.8% 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 105.3%. Watch those two together — they move before the median does.
Redfin, through September 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Wainscott?
Priced off the typical home value of $3.91M 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% | $781,878 | $3.13M | $20,098/mo |
| 5% | $195,469 | $3.71M | $23,867/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 $20,098, that implies roughly $861,353 a year before you add taxes and insurance. The median household in Wainscott earns $135,625, about $725,728 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 28.8x — 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 Wainscott in the next 12 months?
Tell us your timeline. We send the Wainscott 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 Wainscott?
Zillow does not publish a rent index (ZORI) for Wainscott, 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 Wainscott?
Active listings in Wainscott, NY went from 2 in July 2021 to 3 in September 2025, a +50.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| December 2021 | 4 | not published |
| February 2022 | 5 | 2 |
| March 2022 | 2 | not published |
| April 2022 | 3 | 1 |
| June 2022 | 2 | not published |
| November 2022 | 2 | 1 |
| June 2023 | 5 | 2 |
| October 2023 | 4 | 1 |
| May 2024 | 3 | 1 |
| January 2025 | 7 | not published |
| April 2025 | 6 | not published |
| September 2025 | 3 | 1 |
Redfin, through September 2025
How does Wainscott compare to New York and the U.S.?
Wainscott homes sell for $2.00M — 222% above the New York median of $620,500. Against the national median of $410,700, Wainscott runs 387% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Wainscott, NY | $2.00M | not published | 52 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through September 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Wainscott
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 $3,768 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 $3.91M 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 Wainscott listing goes under contract in 52 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 105.3% of asking. Price at the number you want and let competition do the rest.
- In the last published month Wainscott added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -1.8% 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 Wainscott varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Wainscott
There are currently 3 homes listed for sale in Wainscott, New York. The median listing price is $3.0M.
Active listings
3
Homes on market
Median list price
$3.0M
Avg. days on market
52
Days until sale
New this week
1
Newly listed
How much do homes cost in Wainscott by property type?
How the Wainscott, NY market breaks down across single-family homes, condos and townhouses. Redfin, through September 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $2.00M | $1,600/sq ft | 1 | 52 days |
Who lives in Wainscott?
American Community Survey estimates for Wainscott. U.S. Census ACS, 2023
Population
587
Households
291
Median income
$135,625/yr
Median age
61.1 years
Owner-occupied
96.9%
Median home value
$2.00M
Mean commute
14.4 min
96.9% of occupied homes in Wainscott 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 $2.00M against Zillow's $3.91M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Wainscott?
1 schools tracked · 22 students
The largest public schools serving Wainscott, NY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
WAINSCOTT SCHOOL
Grades K-4 · 22 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Wainscott, NY?
Ordered by distance from Wainscott, not by size. Compare Wainscott side by side with any of them.
Wainscott housing market FAQ
Is Wainscott a buyer's or seller's market?
Wainscott, NY is currently a seller's market. That read comes from 3.0 months of supply, homes going under contract in about 52 days, and sellers getting 105.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Wainscott?
The typical home in Wainscott, NY is worth $3.91M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $2.00M, about $1,600 per square foot.
Is Wainscott cheaper than the rest of New York?
Wainscott's median sale price of $2.00M is 222% higher than the New York statewide median of $620,500, and 387% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Wainscott?
Homes in Wainscott, NY spent a median of 52 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 Wainscott?
At the current 30-year fixed rate of 6.66%, 20% down on a $3.91M home is about $20,098 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $861,353 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $135,625.
Are home prices rising in Wainscott?
The typical home value in Wainscott, NY fell 1.8% over the last 12 months, from $3.98M to $3.91M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Wainscott?
Wainscott 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 Wainscott?
That depends on your timeline, not on a headline. What the data says today: Wainscott, 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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