11768 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11768 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$950,000
Days to Sell
34
Homes Sold
29
Inventory
40
Sale-to-List
100.4%
New Listings
80
Price/SqFt
$462
Pending Sales
58
Conforming Loan Available
Most homebuyers in 11768 can comfortably use conventional financing. The median home price of $950,000 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
11768's market is balanced with homes taking an average of 34 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 11768 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 11768 can comfortably use conventional financing. The median home price of $950,000 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 11768 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 11768
To purchase the median home at $950,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,429.
Monthly Payment
$7,429
Income Required
$318,369
Principal & Interest
$5,854/mo
Down Payment (5%)
$47,500
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 11768.
Estimated Monthly Payment
$6,029
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