What income do you need to buy a house in Brightwaters, NY?

It takes about $241,000/yr to afford the typical Brightwaters, NY home ($844K, +7.2% past year) at today's rates. Starter homes run around $708K. See if you can afford a house in Brightwaters (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $241,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, NY property tax and insurance)
• Typical home value: $844K (Zillow ZHVI, 2026-07)
• 1-year change: +7.2%
• Bottom 35% of homes: $708K
• Top 35% of homes start around: $1.13M
• Median household income: $218K
• Price-to-income ratio: 3.9
• Estimated payment on the typical home: $4,383/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Bay Shore, NY — typical home $659K
• West Islip, NY — typical home $753K
• Islip, NY — typical home $671K
• North Bay Shore, NY — typical home $618K
• North Babylon, NY — typical home $650K
• Babylon, NY — typical home $744K

The most affordable cities to buy a house in New York

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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