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East Shoreham CDP, NY

ZIP 11786 — Housing & Real Estate

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

Wealthy AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11786

Median Home Value
$539,900
Median Rent
$1,955
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,468/mo PITI).

15%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

23.0 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 11786 in East Shoreham CDP, NY, a household would need roughly $149,000 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 $3,468. That is roughly in line with the local median household income ($161,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
95.8%+46% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
98.7%+13% vs US avg
x
4+ Bedrooms
9.1%-38% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
25.7%-33% vs US avg
x
$539,900
Home Value
$1,955
Rent
1974
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached98.8%
  • 1-unit attached0.9%
  • 2-9 units0.2%
  • 10+ units0.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$539,900
Median rent$1,955
Owner-occupied95.8%
Vacant2.9%
Price-to-income3.3x
Est. income to buy$149,000