11704 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11704 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$667,000
Days to Sell
29
Homes Sold
55
Inventory
33
Sale-to-List
102.8%
New Listings
76
Price/SqFt
$393
Pending Sales
74
Conforming Loan Available
Most homebuyers in 11704 can comfortably use conventional financing. The median home price of $667,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 11704 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 11704 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11704 can comfortably use conventional financing. The median home price of $667,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 11704 are set at the county level.
2026 Loan Limits — Suffolk 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 11704
To purchase the median home at $667,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,260.
Monthly Payment
$5,260
Income Required
$225,443
Principal & Interest
$4,110/mo
Down Payment (5%)
$33,350
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 11704.
Estimated Monthly Payment
$4,278
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