How can I buy a house in Suffolk County?
With over 1,000 miles of coastline less than two hours from New York City, Suffolk County is an attractive option for homeowners looking to start a mortgage near a metropolitan area with access to oceanic views. Before you get started on a mortgage, you'll want to assess your finances and learn more about the towns and municipalities in Suffolk County, NY that you may want to call home.
Assessing your finances means getting an idea of a home budget that doesn’t spread yourself too thin. To do this you can see how much you have saved for a down payment and examine the amount you are able to pay monthly toward your mortgage.
Suffolk County is divided into 10 towns, understanding the market of each area you are looking in can help you figure out what is needed to buy a home there.
After you have a budget idea and know where you want to live, you are ready to talk with a trusted lender and apply for your mortgage.
What’s the median home price in Suffolk County?
The Suffolk County housing market has more than 7,000 homes for sale, the median price of homes sold is $680,000, with the median listing price of homes is $816,500. The median listing price per square foot in Suffolk County is $447/sq ft.
The median sold home price in Suffolk County is higher than the rest of the state (median sold price in New York state: $588,700) and the country (median sold price in the U.S. $462,206).
What would a mortgage look like in Suffolk County?
Mortgages in Suffolk County are dependent on your situation and current rates. The best way to find out what current rates are and the kind of mortgage you could qualify for is to talk to a professional loan officer. They can assist you with your mortgage in Suffolk County.
It is important to note that due to the high density of the area, the majority of Suffolk County is not eligible for a USDA backed home loan.
What is the housing market like in Suffolk County?
Consisting of 10 towns, as of June 2025, there are more than 10,000 homes listed for sale in Suffolk County.
All numbers listed below are as of June 2025.
Islip, NY
The 3rd largest town in New York state with the charm of a small town, Islip has it all from beaches and golf courses to museums and MacArthur Airport. With 823 homes for sale listed between $25,000 and $4,900,000 in Islip the average house sold 2.56% below asking price.
- Median sold price: $650,000
- Median listing price: $570,000
- Average household income: $136,341
- Population: 16,933
- Median age: 44
The Hamptons
Home to the first lighthouse built in New York, Montauk Point Lighthouse has breathtaking views for both residents of and visitors to The Hamptons. With 1,063 properties for sale listed between $20,000 and $52,000,000 in the Hamptons the average house sold 4.35% below asking price.
- Median sold price: $1,800,000
- Median listing price: $2,800,000
- Average household income: $226,377
- Population: 45,513
- Median age: 48.1
Brookhaven, NY
Access to the Long Island Sound and the Great South Bay, Brookhaven is perfect for anyone looking to connect to the outdoors through the eight parks and several nature preserves. With 1,776 properties for sale listed between $15,000 and $16,500,000 in Brookhaven the average house sold at its approximate asking price.
- Median sold price: $598,000
- Median listing price: $749,500
- Average household income: $131,365
- Population: 3,397
- Median age: 49.9
Huntington, NY
Located on the Long Island North Shore, Huntington offers a blend of outdoor days at the beach and tours of historical sites like the stunning Oheka Castle. With 688 properties for sale listed between $169,400 and $7,500,000 in Huntington the average house sold at its approximate asking price.
- Median sold price: $943,500
- Median listing price: $925,000
- Average household income: $209,203
- Population: 20,001
- Median age: 47.2
Babylon, NY
The ideal spot for beach goers and restaurant lovers, Babylon has access to three beaches located on the ocean and two on the bay with restaurants offering food from all over the world. With 665 properties for sale listed between $33,000 and $4,900,000 in the Babylon the average house sold 1.71% above asking price.
- Median sold price: $820,000
- Median listing price: $712,500
- Average household income: $177,114
- Population: 12,064
- Median age: 44.9
What are the available amenities in Suffolk County?
Occupying the easternmost side of Long Island, Suffolk County has some of the most popular tourist spots in the state: the Hamptons, Fire Island and Montauk. If you are looking to spend your days outside near the water less than two hours from the heart of New York City, Suffolk County is the place for you.
- Commissioned by George Washington and finished in 1797, Suffolk County is home to the Montauk Point Lighthouse. Climbing to the top of the lighthouse will give you extraordinary views of the land and surrounding ocean. If you are lucky, you might even catch a glimpse of the seals that gather on the shores of the lighthouse.
- If you’re looking for a great way to spend an afternoon or date night, you can visit one of Suffolk County’s many award-winning wineries. From tours to tasting, each vineyard provides unique experiences that show you what Suffolk County has to offer.
- Explore below the surface of Suffolk County’s many beaches through the Long Island Aquarium. This Atlantis-themed aquarium houses one of the largest living coral displays inside their 20,000-gallon tank. Living in their in- and outdoor areas are an incredible display of both land and sea animals that any ocean lover will not want to miss.
How can I start the mortgage process for a home in Suffolk County?
Whether you have done this before or are a first-time homebuyer in Suffolk County, you can start your home mortgage process by talking with a lender.
If you are in the beginning of your home buying process, a pre-approval or pre-qualification can give you an idea of how much you can spend on a home in Suffolk County. Pre-approvals and pre-qualifications allow lenders to review your finances and give you an idea of the kind of loan you will qualify for.
Pre-qualifications will just give you an estimate of what you can spend on a home, pre-approvals will show you what your mortgage will look like and tell you the price range of your future home. A pre-approval could also strengthen an offer you make, as it will show sellers that your lender has reviewed your credit, income and are willing to loan you the amount needed.
To start your pre-approval or pre-qualification application and begin the mortgage process, connect with an expert mortgage lender today!
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