Waterfront Homes Under $500K
Explore waterfront homes for sale in New York priced under $500,000, including properties along lakes, rivers, and scenic shorelines throughout the state. From seasonal retreats to year-round residences, these listings offer direct water access, private docks, and expansive views across a range of locations and property types. Options may include single-family homes, cottages, and select townhomes in established communities.
Use this page to compare features, lot sizes, and waterfront settings that match your goals. For personalized guidance, contact CENTURY 21 TheOne or sign up to save listings and receive updates when new waterfront homes under $500K become available.
Based on information submitted to NY_ACVMLS as of August 19, 2026 7:22 AM EDT . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.