Local
Learn about the people, housing, costs and businesses in Ocean Beach, New York
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Ocean Beach.
True all-in cost — P&I, taxes, insurance & utilities for homes in Ocean Beach.
Find and compare lenders active near Ocean Beach.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Ocean Beach.
Seismic risk and earthquake insurance estimates for Ocean Beach.
Wildfire exposure and insurance estimates for Ocean Beach.
As of today, the 30-year fixed mortgage rate for Ocean Beach is approximately 6.973% (7.014% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Ocean BeachThe median home value in Ocean Beach is $662k. Annual property taxes average $10k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Ocean Beach have increased 20.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,886/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $81k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Ocean Beach is $42k/year.
Calculate your buying powerThe largest employment sectors in Ocean Beach are wholesale trade (24%) and transportation (24%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.