Cold Spring Harbor, New York.
Typical home $1,900,947 (+8.9% in a year). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$5,181 (+108%) since Jan 2020.
- 1 year
- Up $154,701 +9%
- $1,746,246$1,900,947 since Sep 2025
- 5 years
- Up $399,977 +27%
- $1,500,970$1,900,947 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cold Spring Harbor$9,978
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Cold Spring Harbor, NY rose 8.9% over the past year — faster than the nation's +1.2%.
Living in Cold Spring Harbor, Suffolk County, New York
Cold Spring Harbor, in Suffolk County, had 3,064 people in the 2020 census. 94% of its homes are lived in by their owners and 6% are rented. Unemployment in Suffolk County was 4.1% in August 2026, and the county had 1.5% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cold Spring Harbor is a small community on the North Shore of Long Island, in Suffolk County. Nearly everyone who lives here owns their home, and homes cost far more than is typical across the country. Incomes run well above the county's, hardly any residents live below the poverty line, and most adults have a four-year degree.
Work. Residents most often work in professional and business services, in schools, hospitals and social care, in banks, insurance and property, and in shops. Across Suffolk County, some of the largest workplaces are Stony Brook University Hospital, Stony Brook University and South Shore University Hospital. Commutes run on the long side, and a good number of people work from home.
Things to do. Winters are cold, with highs a little above freezing in January, and summers are warm, with July highs that are pleasantly warm without being extreme. Rain and melted snow fall steadily through the year. For a day out, the Metropolitan Museum of Art and the Museum of Modern Art are well-known museums, and Central Park is a large city garden, all a longer drive away.
Report a mistake
- 1,030households
- 77%of adults have a degree
- 2%below the poverty line
- 34 mintypical commute
- 29%work from home
What residents work in
Employed residents by industry, from the Census survey. Suffolk County had 689,858 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 24°; warmest in July, with highs near 83° and lows near 66°. About 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Centerport weather station, 4 miles away (NOAA).
Largest workplaces in Suffolk County
- Stony Brook University HospitalGeneral hospital8,738FTE
- Stony Brook UniversityUniversity or college5,585
- Canon USACopier rental or leasing4,982
- South Shore University HospitalGeneral hospital3,739FTE
- Good Samaritan HospitalGeneral hospital3,305FTE
- New York Cancer & Blood SpecialistsOncologists' offices2,917
- Huntington HospitalGeneral hospital2,760FTE
- Internal Revenue ServiceFederal government · Department of the Treasury2,511
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 974 workplaces with 20 or more staff, 152,960 people in all across the county; Cold Spring Harbor has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cold Spring Harbor’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Suffolk County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Cold Spring Harbor home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cold Spring Harbor$1,900,947
- New York$524,942
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cold Spring Harbor11
New listings per month
Sellers arriving at the market.
- Cold Spring Harbor4
Zip codes with a Cold Spring Harbor address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cold Spring Harbor — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.