ZIP Code 11776 — Terryville CDP, NY Demographics & Data

ZIP code 11776 covers Terryville, NY in Suffolk County with a population of about 23,629.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area codes 631, 934; U.S. House district NY-1; the NEW YORK media market.

Median household income in ZIP 11776 is about $119,480 — about 59% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 4.9%; 36.1% of adults with a bachelor’s degree or higher (about 2.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 7.0% of workers reporting work-from-home (about 8.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $462,500 — about 33% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,098 (about 80% above the U.S. median rent ($1,163)), and owner-occupancy near 78.4% (about 13.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 11776 in Terryville, NY, a household would need roughly $127,000 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 $2,971. That is roughly in line with the local median household income ($119,480). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Terryville CDP, NY as Relatively High (composite score 97.3), which is among the highest nationally. The strongest component scores on US5 are flood (98.3) and hurricane (96.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Terryville CDP, NY show little to no average snow and around 48.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,021 for ZIP 11776 (Terryville CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.