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Centereach CDP, NY

ZIP 11720 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11720

Median Home Value
$471,600
Median Rent
$2,236
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,029/mo PITI).

21%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

17.6 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 11720 in Centereach CDP, NY, a household would need roughly $130,000 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 $3,029. That is roughly in line with the local median household income ($128,015). 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
85.8%+31% vs US avg
x
Vacancy Rate
7.2%-31% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
8.3%-44% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
39.8%-20% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$471,600
Home Value
$2,236
Rent
1969
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached89.8%
  • 1-unit attached1.5%
  • 2-9 units3.3%
  • 10+ units4.7%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$471,600
Median rent$2,236
Owner-occupied85.8%
Vacant7.2%
Price-to-income3.7x
Est. income to buy$130,000