11788 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11788 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$775,000
Days to Sell
19
Homes Sold
20
Inventory
23
Sale-to-List
103.6%
New Listings
39
Price/SqFt
$347
Pending Sales
24
Conforming Loan Available
Most homebuyers in 11788 can comfortably use conventional financing. The median home price of $775,000 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
Homes in 11788 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 11788 are selling 3.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11788 can comfortably use conventional financing. The median home price of $775,000 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 11788 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 11788
To purchase the median home at $775,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,088.
Monthly Payment
$6,088
Income Required
$260,906
Principal & Interest
$4,775/mo
Down Payment (5%)
$38,750
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 11788.
Estimated Monthly Payment
$4,946
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