11739 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11739 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Suffolk County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$1,275,000
Days to Sell
49
Homes Sold
5
Inventory
3
Jumbo Loan Likely Needed
The median home in 11739 at $1,275,000 exceeds the 2026 conforming loan limit of $1,209,750 by $65,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
11739's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 11739 at $1,275,000 exceeds the 2026 conforming loan limit of $1,209,750 by $65,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 11739 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 11739
To purchase the median home at $1,275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,919.
Monthly Payment
$9,919
Income Required
$425,085
Principal & Interest
$7,856/mo
Down Payment (5%)
$63,750
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 11739.
Estimated Monthly Payment
$8,041
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