ZIP 11770

11770 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 1 of the 40 nearby ZIPs shown.

In January 2012 the typical home in 11770 was worth $687,478.

Values peaked at $1,531,947 in August 2026. The latest reading is the peak.

As of August 2026: $1,531,947, +12.8% over twelve months.

Start with the typical home: $1,531,947. Put 20% down and borrow $1,225,558 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $8,486 a month in principal and interest.

The median household here earns $101,250 a year, $8,438 a month. So the payment takes 100.6% of income — more than the median household earns — rated “severe” (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 45.1% in 2012.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2012 (3.92%) the payment was $2,599.

In December 2020, with rates at 2.68%, it was $2,874.

By August 2026, at 6.67%, it was $7,881 — +174% since December 2020, while the home's value moved +73%.

Reported values rose +123% since January 2012.

General prices (CPI-U) rose +47% over the same span.

Divide one by the other: in August 2026 dollars, the 2012 home was worth $1,008,189. So the real change is +52%, not +123%.

11770: +123% since January 2012.

Suffolk County: +90% since January 2012.

New York: +108% since January 2012 — 11770 ran ahead of it by 15 points.

Owning the typical home costs about $10,017 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,255 a month.

Price divided by a year's rent: 56.6. 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: 63.

Going out — closed sales: about 3 a month.

The ladder: homes for sale ÷ monthly sales = 21.0 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 150% of it, and below it in 2 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: 63 in June 2026.

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

County assessor records list 363 properties with a market value here. Their average assessed market value is $594,340; the typical home value is $1,531,947.

The assessor average sits −61.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.