11804 — Nassau County, New York Market Snapshot
Housing market data for zip code 11804 in Nassau County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$999,000
Days to Sell
30
Homes Sold
11
Inventory
14
Sale-to-List
100.4%
New Listings
18
Price/SqFt
$521
Pending Sales
10
Conforming Loan Available
The median home in 11804 at $999,000 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
11804's market is balanced with homes taking an average of 30 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 11804 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 11804 at $999,000 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 11804 are set at the county level.
2026 Loan Limits — Nassau 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 11804
To purchase the median home at $999,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,804.
Monthly Payment
$7,804
Income Required
$334,458
Principal & Interest
$6,156/mo
Down Payment (5%)
$49,950
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 11804.
Estimated Monthly Payment
$6,333
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