11721 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11721 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,350,000
Days to Sell
31
Homes Sold
11
Inventory
17
Sale-to-List
102.2%
New Listings
29
Price/SqFt
$495
Pending Sales
20
Jumbo Loan Likely Needed
The median home in 11721 at $1,350,000 exceeds the 2026 conforming loan limit of $1,209,750 by $140,250. 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
11721's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 11721 are selling 2.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 11721 at $1,350,000 exceeds the 2026 conforming loan limit of $1,209,750 by $140,250. 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 11721 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 11721
To purchase the median home at $1,350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,493.
Monthly Payment
$10,493
Income Required
$449,712
Principal & Interest
$8,318/mo
Down Payment (5%)
$67,500
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 11721.
Estimated Monthly Payment
$8,505
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 11721. Tell us what you're looking for.