11705 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11705 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$817,500
Days to Sell
17
Homes Sold
14
Inventory
12
Sale-to-List
102.8%
New Listings
24
Price/SqFt
$469
Pending Sales
19
Conforming Loan Available
Most homebuyers in 11705 can comfortably use conventional financing. The median home price of $817,500 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 11705 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 11705 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11705 can comfortably use conventional financing. The median home price of $817,500 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 11705 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 11705
To purchase the median home at $817,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,413.
Monthly Payment
$6,413
Income Required
$274,861
Principal & Interest
$5,037/mo
Down Payment (5%)
$40,875
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 11705.
Estimated Monthly Payment
$5,209
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