Suffolk County, New York Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Suffolk County, New York.
2026 Loan Limits in Suffolk County
| Property Type | Conforming | FHA |
|---|---|---|
| 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 - Suffolk County, New York
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Suffolk County
Jump into ZIP-level market pages for this county.
- 06390
- 11701
- 11702
- 11703
- 11704
- 11705
- 11706
- 11713
- 11715
- 11716
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- 11729
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- 11731
- 11733
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- 11738
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- 11901
- 11930
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- 11980