11792 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11792 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$733,750
Days to Sell
33
Homes Sold
16
Inventory
29
Sale-to-List
102.1%
New Listings
39
Price/SqFt
$345
Pending Sales
28
Conforming Loan Available
Most homebuyers in 11792 can comfortably use conventional financing. The median home price of $733,750 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
11792's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 11792 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11792 can comfortably use conventional financing. The median home price of $733,750 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 11792 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 11792
To purchase the median home at $733,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,772.
Monthly Payment
$5,772
Income Required
$247,361
Principal & Interest
$4,521/mo
Down Payment (5%)
$36,688
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 11792.
Estimated Monthly Payment
$4,691
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