11797 — Nassau County, New York Market Snapshot
Housing market data for zip code 11797 in Nassau County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$1,400,000
Days to Sell
64
Homes Sold
21
Inventory
27
Sale-to-List
98.4%
New Listings
38
Price/SqFt
$517
Pending Sales
28
Jumbo Loan Likely Needed
The median home in 11797 at $1,400,000 exceeds the 2026 conforming loan limit of $1,209,750 by $190,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 64 days on average, 11797 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 11797 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 11797 at $1,400,000 exceeds the 2026 conforming loan limit of $1,209,750 by $190,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 11797 are set at the county level.
2026 Loan Limits — Nassau County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 11797
To purchase the median home at $1,400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,876.
Monthly Payment
$10,876
Income Required
$466,129
Principal & Interest
$8,626/mo
Down Payment (5%)
$70,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 11797.
Estimated Monthly Payment
$8,814
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