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Cutchogue CDP, NY

ZIP 11935 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11935

Median Home Value
$885,900
Median Rent
$1,913
Affordability Snapshot
$244,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,691/mo PITI).

17%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

38.6 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 11935 in Cutchogue CDP, NY, a household would need roughly $244,000 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 $5,691. That is about 77% above the local median household income ($138,024), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 41% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.7%+36% vs US avg
x
Vacancy Rate
40.6%+294% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
23.0%-54% vs US avg
x
Mortgage-Free
55.8%+46% vs US avg
x
$885,900
Home Value
$1,913
Rent
1970
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached96.3%
  • 1-unit attached1.2%
  • 2-9 units2.5%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$885,900
Median rent$1,913
Owner-occupied88.7%
Vacant40.6%
Price-to-income6.4x
Est. income to buy$244,000