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Middle Island CDP, NY

ZIP 11953 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11953

Median Home Value
$358,400
Median Rent
$1,806
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,302/mo PITI).

24%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

16.5 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 11953 in Middle Island CDP, NY, a household would need roughly $99,000 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 $2,302. That is roughly in line with the local median household income ($92,049). 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
64.9%-1% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
45.3%-9% vs US avg
x
Mortgage-Free
28.0%-27% vs US avg
x
$358,400
Home Value
$1,806
Rent
1981
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached47.5%
  • 1-unit attached12.9%
  • 2-9 units19.5%
  • 10+ units20.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$358,400
Median rent$1,806
Owner-occupied64.9%
Vacant7.5%
Price-to-income3.9x
Est. income to buy$99,000