Cold Spring Harbor, NY—11724
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cold Spring Harbor, NY
As of Oct '25, the median home price in Cold Spring Harbor, NY is $1,725,000, with a year-over-year change of 2.6%. This indicates that home prices in Cold Spring Harbor, NY are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,725,000 | 2.6% |
| Single Family | $1,725,000 | 1.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | $1,719,000 | 4.0% |
| 5 Bed | $2,547,000 | 0.1% |
% of Housing Stock
Rental Trends — Cold Spring Harbor, NY
As of July '25, Rentcast reports the average rent in Cold Spring Harbor, NY is $7,120, with a year-over-year rent change of 54.8%. Per bedroom, the median rent as of July '25 in Cold Spring Harbor, NY is 2-bedrooms: $6,000, 4-bedrooms: $8,250. The most common rental property sizes in Cold Spring Harbor, NY are 2-bedroom and 4-bedroom, accounting for 66.7% and 21.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $6,000 | $7,120 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $6,000 | $6,000 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $8,250 | $8,250 |
% of Rental Stock
Property Listings — Cold Spring Harbor, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Cold Spring Harbor, NY is 64. This is a increase of 9.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $2,520,000 | -23.0% |
Listing Count | 13 | -21.0% |
| Listings as % of Homes | 1.7% | -21.0% |
Days on Market | 64 | 9.0% |
Demographics — Cold Spring Harbor, NY
As of the latest ACS Survey released in 2023, Cold Spring Harbor, NY has a population of 2,960, which has decreased by -6.5% over the past 5 years. Cold Spring Harbor, NY is a popular place for families, as children make up 29.0% of the population. The area has a highly educated workforce, with 80.1% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 25.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,960 | -6.5% |
% Under 18 | 29.0% | 11.1% |
% Seniors | 13.5% | -9.4% |
% WFH | 25.4% | 217.5% |
% w/ College Degree | 80.1% | 1.3% |
As of the latest ACS Survey released in 2023, Cold Spring Harbor, NY is a predominantly white area, with 85.7% of the population identifying as white. The white population has grown by 5.9% in the last 5 years. The second most common race or ethnicity in Cold Spring Harbor, NY is asian, making up 4.4% of the population. Foreign-born residents account for 7.2% of the population in Cold Spring Harbor, NY, and this percentage has decreased by 52.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 85.7% | 5.9% |
% Black | 0.1% | -66.7% |
% Hispanic | 3.1% | -27.9% |
% Asian | 4.4% | -59.6% |
% Foreign Born | 7.2% | -52.0% |
Mortgage and Risk — Cold Spring Harbor, NY
According to HUD data as of 2023, there were 61 mortgage originations in Cold Spring Harbor, NY, of which 98.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 5.0% above 90% LTV (normal). This implies small mortgage risk in Cold Spring Harbor, NY. Investor activity is low, as 0.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 61 |
% Conventional Loans | 98.0% |
% Government Loans | 2.0% |
% Investor Loans | 0.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Cold Spring Harbor, NY
Cold Spring Harbor, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 0 |
% Rentals under Section 8 | 0.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,790 |
| 2 Bedroom | -$2,750 | $6,000 | $3,250 |
| 3 Bedroom | N/A | N/A | $4,210 |
| 4 Bedroom | -$3,680 | $8,250 | $4,570 |
Affordability — Cold Spring Harbor, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.7 |
| Median Home Price | $1,725,000 |
| Median Household Income | $250,000 |