11952 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11952 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
$688,687
Days to Sell
200
Homes Sold
12
Inventory
25
Sale-to-List
94.6%
New Listings
19
Price/SqFt
$485
Pending Sales
15
Conforming Loan Available
Most homebuyers in 11952 can comfortably use conventional financing. The median home price of $688,687 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
With homes sitting for 200 days on average, 11952 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 11952 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 11952 can comfortably use conventional financing. The median home price of $688,687 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 11952 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 11952
To purchase the median home at $688,687 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,427.
Monthly Payment
$5,427
Income Required
$232,564
Principal & Interest
$4,243/mo
Down Payment (5%)
$34,434
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 11952.
Estimated Monthly Payment
$4,412
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