ZIP 11971

11971 is one of 108 ZIP codes that lie mostly in Suffolk County, NY.

Shaded by typical home value, it ranks 21 of the 36 nearby ZIPs shown.

2 school locations in 11971: 1 middle, 1 high.

In alphabetical order: SOUTHOLD ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 11971 was worth $255,411.

Values peaked at $1,141,069 in April 2026. The latest reading is −0.7% from that peak.

As of August 2026: $1,133,594, +2.3% over twelve months.

Start with the typical home: $1,133,594. Put 20% down and borrow $906,875 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,279 a month in principal and interest.

The median household here earns $124,097 a year, $10,341 a month. So the payment takes 60.7% of income — 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 13.7% 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 $1,529.

In December 2020, with rates at 2.68%, it was $2,522.

By August 2026, at 6.67%, it was $5,832 — +131% since December 2020, while the home's value moved +46%.

Reported values rose +344% 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 $504,080. So the real change is +125%, not +344%.

11971: +344% since January 2000.

Suffolk County: +271% since January 2000.

New York: +244% since January 2000 — 11971 ran ahead of it by 100 points.

Owning the typical home costs about $7,413 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $4,250 a month.

Price divided by a year's rent: 22.2. 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 54.

Going out — closed sales: about 7 a month. The drain is drawn 9% narrower: the share of homes for sale that sell each month is 91% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.4 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 13 — so sales ran at 54% of it, and below it in 18 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: 54 in June 2026.

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

County assessor records list 3,694 properties with a market value here. Their average assessed market value is $1,054,545; the typical home value is $1,133,594.

The assessor average sits −7.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.