Sag Harbor, New York.
Typical home $2,314,656 (+5.8% in a year), asking rent $49,398 (+10.1%). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$7,101 (+141%) since Jan 2020.
- 1 year
- Up $126,549 +6%
- $2,188,107$2,314,656 since Sep 2025
- 5 years
- Up $585,118 +34%
- $1,729,538$2,314,656 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.
- Sag Harbor$12,149
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Sag Harbor, NY rose 5.8% over the past year — faster than the nation's +1.2%.
Asking rents in Sag Harbor, NY rose 10.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Sag Harbor runs $31,436/mo less than renting one. The gap peaked at $33,984 in Jul 2026.
That is $17,962 a month against $49,398 rent: a $12,149 mortgage payment, plus $3,335 property tax and $2,478 insurance & upkeep.
Owning vs renting — Sag Harbor
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$17,962
- Renting$49,398
- Mortgage only$12,149
Property tax · $3,335/mo 1.73% of value a year — the ACS 2020-2024 median bill over the median home value for Suffolk County, NY
Insurance & upkeep · $2,478/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Sag Harbor, Suffolk County, New York
Sag Harbor is a village of 2,772 people in Suffolk County. 83% of its homes are lived in by their owners and 17% 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 people in Suffolk County work in schools and health care, then professional services.
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. Sag Harbor is a small village on the water, where most homes are lived in by their owners, and where typical home values sit far above what most of the country sees. Rents are high too. Few residents live below the poverty line, and a large share of adults hold a four-year degree. Winters are cold, with January the coldest month, and some snow falls each year. Summers are warm, July being the warmest month, and rain and melted snow arrive in good measure through the year.
Work. Residents work mainly in schools, hospitals and social care, in professional and business services, in shops and in the building trades. Across Suffolk County, some of the largest workplaces are Stony Brook University Hospital, Stony Brook University and South Shore University Hospital. Unemployment across the county is about where it was a year ago, and the county has added a few more jobs over the past year.
Things to do. Museums are close at hand: the Sag Harbor Whaling Museum is in or beside town, and the Parrish Art Museum and Dia Bridgehampton are each a short drive away. For time outdoors, Orient Beach State Park, a protected area, is also a short drive away. Hither Hills State Park, another protected area, is a longer drive.
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- 1,134households
- 64%of adults have a degree
- 3%below the poverty line
What people in Suffolk County 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 23°; warmest in July, with highs near 81° and lows near 64°. About 27 inches of snow and 50 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bridgehampton weather station, 3 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; Sag 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
- Coastal floodingRelatively moderate
- HurricanesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Sag Harbor’s census tracts, against the rest of the country; all of them together, relatively 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.
Sag Harbor home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Sag Harbor$2,314,656
- New York$524,942
- United States$366,157
Sellers are cutting prices on about 1 in 8 Sag Harbor listings — the market is heating up.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Sag Harbor13.28%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Sag Harbor86
New listings per month
Sellers arriving at the market.
- Sag Harbor16
Zip codes with a Sag Harbor address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Sag Harbor — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.