11782 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11782 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$723,000
Days to Sell
30
Homes Sold
12
Inventory
9
Sale-to-List
102.8%
New Listings
31
Price/SqFt
$429
Pending Sales
28
Conforming Loan Available
Most homebuyers in 11782 can comfortably use conventional financing. The median home price of $723,000 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
11782's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 11782 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11782 can comfortably use conventional financing. The median home price of $723,000 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 11782 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 11782
To purchase the median home at $723,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,689.
Monthly Payment
$5,689
Income Required
$243,831
Principal & Interest
$4,455/mo
Down Payment (5%)
$36,150
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 11782.
Estimated Monthly Payment
$4,624
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