11763 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11763 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$585,553
Days to Sell
24
Homes Sold
56
Inventory
46
Sale-to-List
101.9%
New Listings
125
Price/SqFt
$377
Pending Sales
101
Conforming Loan Available
Most homebuyers in 11763 can comfortably use conventional financing. The median home price of $585,553 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 11763 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 are selling very close to asking price in 11763 (101.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 11763 can comfortably use conventional financing. The median home price of $585,553 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 11763 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 11763
To purchase the median home at $585,553 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,636.
Monthly Payment
$4,636
Income Required
$198,699
Principal & Interest
$3,608/mo
Down Payment (5%)
$29,278
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 11763.
Estimated Monthly Payment
$3,774
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