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Bay Shore CDP, NY

ZIP 11706 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11706

Median Home Value
$464,300
Median Rent
$1,745
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,983/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 11706 in Bay Shore CDP, NY, a household would need roughly $128,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,983. That is roughly in line with the local median household income ($115,112). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
74.8%+14% vs US avg
x
Vacancy Rate
9.8%-4% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
10.9%-26% vs US avg
x
Built Pre-1939
6.7%-47% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
27.5%-45% vs US avg
x
Mortgage-Free
31.0%-19% vs US avg
x
$464,300
Home Value
$1,745
Rent
1964
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.3%
  • 1-unit attached8.5%
  • 2-9 units10.7%
  • 10+ units7.5%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$464,300
Median rent$1,745
Owner-occupied74.8%
Vacant9.8%
Price-to-income4.0x
Est. income to buy$128,000