11803 — Nassau County, New York Market Snapshot
Housing market data for zip code 11803 in Nassau County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$970,000
Days to Sell
32
Homes Sold
47
Inventory
37
Sale-to-List
101.8%
New Listings
99
Price/SqFt
$548
Pending Sales
83
Conforming Loan Available
The median home in 11803 at $970,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
11803's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 11803 (101.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 11803 at $970,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 11803 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 11803
To purchase the median home at $970,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,582.
Monthly Payment
$7,582
Income Required
$324,936
Principal & Interest
$5,977/mo
Down Payment (5%)
$48,500
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 11803.
Estimated Monthly Payment
$6,153
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