ZIP 11778

11778 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 32 of the 37 nearby ZIPs shown.

4 school locations in 11778: 2 elementary, 1 middle, 1 high.

In alphabetical order: FRANK J CARASITI ELEMENTARY SCHOOL, JOSEPH A EDGAR IMTERMEDIATE SCHOOL, ROCKY POINT HIGH SCHOOL, ROCKY POINT MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 11778 was worth $146,225.

Values peaked at $555,187 in August 2026. The latest reading is the peak.

As of August 2026: $555,187, +4.0% over twelve months.

Start with the typical home: $555,187. Put 20% down and borrow $444,150 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,075 a month in principal and interest.

The median household here earns $119,656 a year, $9,971 a month. So the payment takes 30.8% 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 8.1% 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 $876.

In December 2020, with rates at 2.68%, it was $1,215.

By August 2026, at 6.67%, it was $2,856 — +135% since December 2020, while the home's value moved +48%.

Reported values rose +280% 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 $288,590. So the real change is +92%, not +280%.

11778: +280% since January 2000.

Suffolk County: +271% since January 2000.

New York: +244% since January 2000 — 11778 ran ahead of it by 36 points.

Owning the typical home costs about $3,630 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,774 a month.

Price divided by a year's rent: 26.1. 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 22 a month (Redfin, 3-month rolling data through August 2026). That is 76% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 53.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 3.97 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 8 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 23 — so sales ran at 57% 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: 53 in June 2026.

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

County assessor records list 4,508 properties with a market value here. Their average assessed market value is $427,359; the typical home value is $555,187.

The assessor average sits −23.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.