ZIP 11738 vs ZIP 11720

11738 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 22 of the 38 nearby ZIPs shown.

2 school locations in 11738: 1 elementary, 1 high.

In alphabetical order: LYNWOOD AVENUE SCHOOL, SACHEM HIGH SCHOOL EAST. Locations only — no ratings are shown here.

11720 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 25 of the 39 nearby ZIPs shown.

8 school locations in 11720: 4 elementary, 3 middle, 1 high.

In alphabetical order: CENTEREACH HIGH SCHOOL, DAWNWOOD MIDDLE SCHOOL, HOLBROOK ROAD SCHOOL, JERICHO ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 11738 was worth $156,754.

Values peaked at $663,448 in August 2026. The latest reading is the peak.

As of August 2026: $663,448, +6.6% over twelve months.

Start with the typical home: $663,448. Put 20% down and borrow $530,758 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,675 a month in principal and interest.

The median household here earns $139,008 a year, $11,584 a month. So the payment takes 31.7% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 7.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $939.

In December 2020, with rates at 2.68%, it was $1,406.

By August 2026, at 6.67%, it was $3,413 — +143% since December 2020, while the home's value moved +53%.

Reported values rose +323% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $309,370. So the real change is +114%, not +323%.

11738: +323% since January 2000.

Suffolk County: +271% since January 2000.

New York: +244% since January 2000 — 11738 ran ahead of it by 79 points.

Owning the typical home costs about $4,338 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,842 a month.

Price divided by a year's rent: 14.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 11720 was worth $163,427.

Values peaked at $660,925 in August 2026. The latest reading is the peak.

As of August 2026: $660,925, +7.0% over twelve months.

Start with the typical home: $660,925. Put 20% down and borrow $528,740 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,661 a month in principal and interest.

The median household here earns $128,015 a year, $10,668 a month. So the payment takes 34.3% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $979.

In December 2020, with rates at 2.68%, it was $1,410.

By August 2026, at 6.67%, it was $3,400 — +141% since December 2020, while the home's value moved +52%.

Reported values rose +304% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $322,540. So the real change is +105%, not +304%.

11720: +304% since January 2000.

Suffolk County: +271% since January 2000.

New York: +244% since January 2000 — 11720 ran ahead of it by 60 points.

Owning the typical home costs about $4,322 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,792 a month.

Price divided by a year's rent: 14.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 28.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 2.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 81% of it, and below it in 20 of the last 24 months.

Across Suffolk County, builders pulled permits for 1,399 new homes in 2025.

Of those, 78% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 29 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 52.

Going out — closed sales: about 25 a month. That is 82% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 93% of it, and below it in 20 of the last 24 months.

Across Suffolk County, builders pulled permits for 1,399 new homes in 2025.

Of those, 78% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Suffolk County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,767 moved in. Among the ten receiving the most, 11,246 moved out.

Net across those counties: +4,521 households. Beside it, homes for sale in this ZIP: 28 in June 2026.

Most arrivals came from Nassau, NY (6,970 households); most departures went to Nassau, NY (4,060).

County assessor records list 4,526 properties with a market value here. Their average assessed market value is $518,868; the typical home value is $663,448.

The assessor average sits −21.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Suffolk County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,767 moved in. Among the ten receiving the most, 11,246 moved out.

Net across those counties: +4,521 households. Beside it, homes for sale in this ZIP: 52 in June 2026.

Most arrivals came from Nassau, NY (6,970 households); most departures went to Nassau, NY (4,060).

County assessor records list 8,436 properties with a market value here. Their average assessed market value is $490,566; the typical home value is $660,925.

The assessor average sits −25.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.