11727 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11727 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
81 sales in 2026 (year to date)
Median Sale Price
$575,000
Days to Sell
38
Homes Sold
81
Inventory
75
Sale-to-List
101.4%
New Listings
132
Price/SqFt
$341
Pending Sales
99
Conforming Loan Available
Most homebuyers in 11727 can comfortably use conventional financing. The median home price of $575,000 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
11727's market is balanced with homes taking an average of 38 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 11727 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 11727 can comfortably use conventional financing. The median home price of $575,000 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 11727 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 11727
To purchase the median home at $575,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,555.
Monthly Payment
$4,555
Income Required
$195,234
Principal & Interest
$3,543/mo
Down Payment (5%)
$28,750
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 11727.
Estimated Monthly Payment
$3,709
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