11961 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11961 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
$583,550
Days to Sell
39
Homes Sold
28
Inventory
22
Sale-to-List
100.2%
New Listings
39
Price/SqFt
$338
Pending Sales
35
Conforming Loan Available
Most homebuyers in 11961 can comfortably use conventional financing. The median home price of $583,550 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
11961's market is balanced with homes taking an average of 39 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 11961 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 11961 can comfortably use conventional financing. The median home price of $583,550 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 11961 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 11961
To purchase the median home at $583,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,621.
Monthly Payment
$4,621
Income Required
$198,042
Principal & Interest
$3,596/mo
Down Payment (5%)
$29,178
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 11961.
Estimated Monthly Payment
$3,761
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