11720 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11720 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$647,500
Days to Sell
32
Homes Sold
52
Inventory
41
Sale-to-List
103.0%
New Listings
90
Price/SqFt
$430
Pending Sales
60
Conforming Loan Available
Most homebuyers in 11720 can comfortably use conventional financing. The median home price of $647,500 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
11720'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 in 11720 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11720 can comfortably use conventional financing. The median home price of $647,500 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 11720 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 11720
To purchase the median home at $647,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,111.
Monthly Payment
$5,111
Income Required
$219,040
Principal & Interest
$3,990/mo
Down Payment (5%)
$32,375
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 11720.
Estimated Monthly Payment
$4,157
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