How much do homeowners pay a month in Cold Spring Harbor, NY?

Name: Homeowner costs in Cold Spring Harbor, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Cold Spring Harbor, NY pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

68.6% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,500 or more
Owned with a mortgage: 68.6%

Monthly owner costs in Cold Spring Harbor

Median selected monthly owner costs, estimate (90% margin of error)
	Cold Spring Harbor	Suffolk County	New York	United States
With a mortgage	$4,000 or more	$3,320 (±$17)	$2,555 (±$9)	$1,963
Without a mortgage	$1,500 or more	$1,478 (±$15)	$958 (±$5)	$638
Owned homes with a mortgage	68.6% (±8.3 points)	62.4% (±0.6 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

How owner costs in Cold Spring Harbor have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median home value	$832,200 (±$69,179)	$1,587,900 (±$116,011)	+90.8%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Cold Spring Harbor

Nearest places with a published estimate, compared with Cold Spring Harbor
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Cold Spring Harbor	—	$4,000 or more	—
Village of Laurel Hollow	1.2 mi	$4,000 or more	—
Village of Oyster Bay Cove	2.6 mi	$4,000 or more	—
Village of Cove Neck	2.6 mi	$4,000 or more	—
Halesite	2.7 mi	$4,000 or more	—
Huntington (community)	2.8 mi	$4,000 or more	—
Huntington Station	3.0 mi	$3,083 (±$91)	—
Woodbury (community)	3.2 mi	$4,000 or more	—
West Hills	3.3 mi	$3,796 (±$326)	—

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Suffolk County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Bridgehampton	$4,000 or more
1 (tie)	Centerport	$4,000 or more
1 (tie)	Cold Spring Harbor	$4,000 or more
1 (tie)	Cutchogue	$4,000 or more
1 (tie)	Dix Hills	$4,000 or more
1 (tie)	East Hampton North	$4,000 or more
1 (tie)	East Moriches	$4,000 (±$317)
1 (tie)	Eatons Neck	$4,000 or more
1 (tie)	Fort Salonga	$4,000 or more

Showing 9 of 112 places in Suffolk County, ranked from highest to lowest.

Cold Spring Harbor is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside the Town of Huntington, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Cold Spring Harbor

What is the average mortgage payment in Cold Spring Harbor?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Cold Spring Harbor, NY is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Cold Spring Harbor?

Owners without a mortgage in Cold Spring Harbor pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Cold Spring Harbor CDP, New York (place:16958, in state:36).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.