11971 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11971 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
$974,000
Days to Sell
89
Homes Sold
20
Inventory
41
Sale-to-List
99.4%
New Listings
33
Price/SqFt
$605
Pending Sales
18
Conforming Loan Available
The median home in 11971 at $974,000 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 89 days on average, 11971 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
Homes are selling very close to asking price in 11971 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 11971 at $974,000 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 11971 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 11971
To purchase the median home at $974,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,612.
Monthly Payment
$7,612
Income Required
$326,249
Principal & Interest
$6,001/mo
Down Payment (5%)
$48,700
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 11971.
Estimated Monthly Payment
$6,178
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