11742 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11742 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$505,000
Days to Sell
24
Homes Sold
26
Inventory
19
Sale-to-List
102.5%
New Listings
43
Price/SqFt
$388
Pending Sales
32
Conforming Loan Available
Most homebuyers in 11742 can comfortably use conventional financing. The median home price of $505,000 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
Homes in 11742 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 11742 are selling 2.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11742 can comfortably use conventional financing. The median home price of $505,000 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 11742 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 11742
To purchase the median home at $505,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,019.
Monthly Payment
$4,019
Income Required
$172,249
Principal & Interest
$3,112/mo
Down Payment (5%)
$25,250
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 11742.
Estimated Monthly Payment
$3,275
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