11731 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11731 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$789,651
Days to Sell
24
Homes Sold
38
Inventory
33
Sale-to-List
104.8%
New Listings
93
Price/SqFt
$422
Pending Sales
72
Conforming Loan Available
Most homebuyers in 11731 can comfortably use conventional financing. The median home price of $789,651 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 11731 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 11731 are selling 4.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11731 can comfortably use conventional financing. The median home price of $789,651 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 11731 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 11731
To purchase the median home at $789,651 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,200.
Monthly Payment
$6,200
Income Required
$265,717
Principal & Interest
$4,866/mo
Down Payment (5%)
$39,483
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 11731.
Estimated Monthly Payment
$5,037
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