US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 11940
  5. Housing & Real Estate
East Moriches CDP, NY

ZIP 11940 — 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 11940

Median Home Value
$626,400
Median Rent
$2,098
Affordability Snapshot
$172,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,024/mo PITI).

21%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

24.9 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 11940 in East Moriches CDP, NY, a household would need roughly $172,000 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 $4,024. That is about 42% above the local median household income ($121,250), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.6%+3% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
40.5%-19% vs US avg
x
Mortgage-Free
35.6%-7% vs US avg
x
$626,400
Home Value
$2,098
Rent
1979
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.1%
  • 1-unit attached0.5%
  • 2-9 units8.4%
  • 10+ units15.6%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$626,400
Median rent$2,098
Owner-occupied67.6%
Vacant7.3%
Price-to-income5.2x
Est. income to buy$172,000