11976 — Suffolk County, New York Market Snapshot
Housing market data for zip code 11976 in Suffolk County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 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
7 sales in 2026 (year to date)
Median Sale Price
$3,752,500
Days to Sell
149
Homes Sold
7
Inventory
19
Jumbo Loan Likely Needed
The median home in 11976 at $3,752,500 exceeds the 2026 conforming loan limit of $1,209,750 by $2,542,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 149 days on average, 11976 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 11976 at $3,752,500 exceeds the 2026 conforming loan limit of $1,209,750 by $2,542,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 11976 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 11976
To purchase the median home at $3,752,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $28,900.
Monthly Payment
$28,900
Income Required
$1,238,591
Principal & Interest
$23,122/mo
Down Payment (5%)
$187,625
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 11976.
Estimated Monthly Payment
$23,373
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 11976.
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