11796 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11796 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 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
3 sales in 2026 (year to date)
Median Sale Price
$718,500
Days to Sell
18
Homes Sold
3
Inventory
4
Conforming Loan Available
Most homebuyers in 11796 can comfortably use conventional financing. The median home price of $718,500 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 11796 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 11796 can comfortably use conventional financing. The median home price of $718,500 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 11796 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 11796
To purchase the median home at $718,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,655.
Monthly Payment
$5,655
Income Required
$242,354
Principal & Interest
$4,427/mo
Down Payment (5%)
$35,925
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 11796.
Estimated Monthly Payment
$4,597
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