ZIP 11766 vs ZIP 11786

11766 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 9 of the 38 nearby ZIPs shown.

3 school locations in 11766: 1 elementary, 1 middle, 1 high.

In alphabetical order: MOUNT SINAI ELEMENTARY SCHOOL, MOUNT SINAI MIDDLE SCHOOL, ROBERT M GRABLE JR MOUNT SINAI HIGH SCHOOL. Locations only — no ratings are shown here.

11786 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 9 of the 37 nearby ZIPs shown.

3 school locations in 11786: 1 elementary, 1 middle, 1 high.

In alphabetical order: ALBERT G PRODELL MIDDLE SCHOOL, MILLER AVENUE SCHOOL, SHOREHAM-WADING RIVER HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 11766 was worth $234,797.

Values peaked at $781,723 in August 2026. The latest reading is the peak.

As of August 2026: $781,723, +6.5% over twelve months.

Start with the typical home: $781,723. Put 20% down and borrow $625,378 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,330 a month in principal and interest.

The median household here earns $157,564 a year, $13,130 a month. So the payment takes 33.0% 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 9.9% 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 $1,406.

In December 2020, with rates at 2.68%, it was $1,709.

By August 2026, at 6.67%, it was $4,022 — +135% since December 2020, while the home's value moved +48%.

Reported values rose +233% 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 $463,396. So the real change is +69%, not +233%.

11766: +233% since January 2000.

Suffolk County: +271% since January 2000.

New York: +244% since January 2000 — 11766 ran behind it by 11 points.

Owning the typical home costs about $5,112 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,308 a month.

Price divided by a year's rent: 19.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 11786 was worth $201,704.

Values peaked at $774,477 in August 2026. The latest reading is the peak.

As of August 2026: $774,477, +7.1% over twelve months.

Start with the typical home: $774,477. Put 20% down and borrow $619,582 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,290 a month in principal and interest.

The median household here earns $161,250 a year, $13,438 a month. So the payment takes 31.9% 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 8.3% 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 $1,208.

In December 2020, with rates at 2.68%, it was $1,686.

By August 2026, at 6.67%, it was $3,984 — +136% since December 2020, while the home's value moved +49%.

Reported values rose +284% 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 $398,084. So the real change is +95%, not +284%.

11786: +284% since January 2000.

Suffolk County: +271% since January 2000.

New York: +244% since January 2000 — 11786 ran ahead of it by 40 points.

Owning the typical home costs about $5,064 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,810 a month.

Price divided by a year's rent: 23.0. 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 14 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 30.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 2.3 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 1 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 17 — so sales ran at 76% of it, and below it in 14 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).

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 114% of it, and below it in 15 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: 30 in June 2026.

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

County assessor records list 3,609 properties with a market value here. Their average assessed market value is $626,415; the typical home value is $781,723.

The assessor average sits −19.9% 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: 14 in June 2026.

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

County assessor records list 2,009 properties with a market value here. Their average assessed market value is $663,208; the typical home value is $774,477.

The assessor average sits −14.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.