11946 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11946 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$984,500
Days to Sell
67
Homes Sold
28
Inventory
80
Sale-to-List
97.4%
New Listings
75
Price/SqFt
$564
Pending Sales
45
Conforming Loan Available
The median home in 11946 at $984,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 67 days on average, 11946 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 11946 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 11946 at $984,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 11946 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 11946
To purchase the median home at $984,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,693.
Monthly Payment
$7,693
Income Required
$329,697
Principal & Interest
$6,066/mo
Down Payment (5%)
$49,225
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 11946.
Estimated Monthly Payment
$6,243
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