11951 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11951 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
$465,000
Days to Sell
58
Homes Sold
29
Inventory
46
Sale-to-List
101.5%
New Listings
62
Price/SqFt
$373
Pending Sales
40
Conforming Loan Available
Most homebuyers in 11951 can comfortably use conventional financing. The median home price of $465,000 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
11951's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 11951 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 11951 can comfortably use conventional financing. The median home price of $465,000 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 11951 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 11951
To purchase the median home at $465,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,713.
Monthly Payment
$3,713
Income Required
$159,115
Principal & Interest
$2,865/mo
Down Payment (5%)
$23,250
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 11951.
Estimated Monthly Payment
$3,028
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