11950 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11950 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$540,000
Days to Sell
27
Homes Sold
27
Inventory
24
Sale-to-List
102.3%
New Listings
44
Price/SqFt
$364
Pending Sales
33
Conforming Loan Available
Most homebuyers in 11950 can comfortably use conventional financing. The median home price of $540,000 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 11950 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 11950 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 11950 can comfortably use conventional financing. The median home price of $540,000 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 11950 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 11950
To purchase the median home at $540,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,287.
Monthly Payment
$4,287
Income Required
$183,742
Principal & Interest
$3,327/mo
Down Payment (5%)
$27,000
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 11950.
Estimated Monthly Payment
$3,492
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