Forget the presents under the tree — the biggest Christmas bargain might be a new home.

Christmas Eve is officially the best day of the year to buy a house in America, with buyers paying a significantly smaller premium than those who close during the spring buying frenzy, according to a new analysis.

Homebuyers who close on Dec. 24 pay an average premium of just 3.2% above estimated market value, compared with a whopping 14.5% on May 27 — the most expensive day of the year to purchase a property.

That 11.3-percentage-point gap could translate into tens of thousands of dollars on a typical home purchase, although the figures represent historical differences in premiums rather than guaranteed savings.

The findings come from property data firm ATTOM, which analyzed more than 48 million single-family home and condominium sales across the country between 2016 and 2025.

And while Christmas Eve might seem like an unlikely time to close on a property, the holiday season can offer an advantage for bargain hunters.

With fewer buyers competing for homes and some sellers eager to wrap up transactions before the end of the year, shoppers may find themselves with more negotiating power.

But buyers don’t necessarily have to wait until Santa comes to town to find a deal.

July 10 ranked as the second-best day to buy, with a premium of just 3.5%, followed by July 9 at 4.1%.

July 2 and July 3 each carried premiums of 4.3%, while July 17 came in at 4.6%.

In fact, nine of the 10 days with the lowest premiums fell in July.

Looking at the calendar more broadly, July was also the most affordable month nationwide, with buyers paying an average premium of 6.3% above market value.

November followed at 7.4%, while October came in at 7.8%. September and December tied at 8.2%.

Other research has also highlighted the savings available to buyers who time their purchases strategically. As The Post previously reported, shoppers could save roughly $14,000 by buying during a favorable fall window.

And those willing to brave the winter market could find additional bargains, with a separate analysis suggesting that January homebuyers could save as much as $23,000.

Some states offered even better opportunities for buyers.

In Hawaii, homes purchased in January sold for 1.8% below estimated market value, while Michigan buyers who closed in November enjoyed a 1.7% discount.

Connecticut buyers paid roughly market value in January, while Minnesota buyers did the same in December.

Illinois buyers paid just 0.1% above estimated market value in November.

Still, a lower premium doesn’t necessarily mean a lower sticker price — or guarantee that buyers will find their dream home.

ATTOM calculated the premiums by comparing median sale prices with automated estimates of the properties’ market values, meaning the results reflect historical closing patterns rather than a promise of holiday discounts.

And because the analysis tracks closing dates, not the days buyers submitted offers or negotiated prices, shoppers hoping to take advantage of the Christmas Eve sweet spot would likely need to begin their search well before the holidays.