Sag Harbor, NY—11963
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Sag Harbor, NY
As of Oct '25, the median home price in Sag Harbor, NY is $2,258,000, with a year-over-year change of 3.9%. This indicates that home prices in Sag 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 | $2,258,000 | 3.9% |
| Single Family | $2,271,000 | 3.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $1,344,000 | 5.0% |
3 Bed | $1,782,000 | 3.5% |
4 Bed | $2,603,000 | 4.5% |
| 5 Bed | $5,189,000 | 4.9% |
% of Housing Stock
Rental Trends — Sag Harbor, NY
As of July '25, Rentcast reports the average rent in Sag Harbor, NY is $6,710, with a year-over-year rent change of -1.2%. Per bedroom, the median rent as of July '25 in Sag Harbor, NY is studios: $8,000, 1-bedrooms: $4,040, 2-bedrooms: $6,150, 3-bedrooms: $7,350, 4-bedrooms: $7,800. The most common rental property sizes in Sag Harbor, NY are 2-bedroom and 3-bedroom, accounting for 51.7% and 24.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $6,920 | $6,710 |
| Studio Rent | $8,000 | $8,000 |
| 1 Bed Rent | $4,450 | $4,040 |
| 2 Bed Rent | $5,500 | $6,150 |
| 3 Bed Rent | $7,000 | $7,350 |
| 4 Bed Rent | $7,500 | $7,800 |
% of Rental Stock
Property Listings — Sag Harbor, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Sag Harbor, NY is 104. This is a decrease of -20.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $3,290,000 | 7.0% |
Listing Count | 195 | 3.0% |
| Listings as % of Homes | 2.2% | 3.0% |
Days on Market | 104 | -20.0% |
Demographics — Sag Harbor, NY
As of the latest ACS Survey released in 2023, Sag Harbor, NY has a population of 8,110, which has increased by 9.2% over the past 5 years. Sag Harbor, NY is a moderately popular place for families, as children make up 18.9% of the population. The area has a highly educated workforce, with 54.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,110 | 9.2% |
% Under 18 | 18.9% | -8.3% |
% Seniors | 27.3% | 24.1% |
% WFH | 17.1% | 26.7% |
% w/ College Degree | 54.5% | -4.2% |
As of the latest ACS Survey released in 2023, Sag Harbor, NY is a predominantly white area, with 78.2% of the population identifying as white. The white population has grown by 2.6% in the last 5 years. The second most common race or ethnicity in Sag Harbor, NY is hispanic, making up 12.9% of the population. Foreign-born residents account for 13.5% of the population in Sag Harbor, NY, and this percentage has decreased by 31.1% 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 | 78.2% | 2.6% |
% Black | 1.6% | -66.0% |
% Hispanic | 12.9% | -12.8% |
% Asian | 3.5% | -2.8% |
% Foreign Born | 13.5% | -31.1% |
Mortgage and Risk — Sag Harbor, NY
According to HUD data as of 2023, there were 196 mortgage originations in Sag Harbor, NY, of which 100.0% of loans were conventional mortgages. The average loan-to-value was 44.0%, with 2.0% above 90% LTV (normal). This implies small mortgage risk in Sag Harbor, NY. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 196 |
% Conventional Loans | 100.0% |
% Government Loans | 0.0% |
% Investor Loans | 3.0% |
% Second Loans | 35.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Sag Harbor, NY
As of 2024, the percent of homes in Sag Harbor, NY under the Section 8 program is 0.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Sag Harbor, NY, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 0.5% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$1,510 | $4,450 | $2,940 |
| 2 Bedroom | -$2,110 | $5,500 | $3,390 |
| 3 Bedroom | -$2,610 | $7,000 | $4,390 |
| 4 Bedroom | -$2,790 | $7,500 | $4,710 |
Affordability — Sag Harbor, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 16.2 |
| Median Home Price | $2,258,000 |
| Median Household Income | $127,000 |