11790 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11790 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$820,000
Days to Sell
17
Homes Sold
29
Inventory
17
Sale-to-List
101.5%
New Listings
63
Price/SqFt
$367
Pending Sales
53
Conforming Loan Available
Most homebuyers in 11790 can comfortably use conventional financing. The median home price of $820,000 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 11790 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 11790 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 11790 can comfortably use conventional financing. The median home price of $820,000 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 11790 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 11790
To purchase the median home at $820,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,433.
Monthly Payment
$6,433
Income Required
$275,682
Principal & Interest
$5,053/mo
Down Payment (5%)
$41,000
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 11790.
Estimated Monthly Payment
$5,225
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 11790. Tell us what you're looking for.