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North Patchogue Real Estate Market Facts

  • $281,700Median home price
    2% lower than New York
  • $1,547Median rent asked
    33% higher than New York
  • 88.1%Home owners
    64% higher than New York
  • 2.6People per home
    equal to New York
A general overview of the North Patchogue, NY real estate market is displayed above. The median home price for homes in North Patchogue, NY is $281,700, which is 2% lower than the New York average. This means that real estate in the North Patchogue, NY area is generally more affordable than the rest of New York. The median rent price in North Patchogue, NY is $1,547 which is 33% higher than the New York average. In North Patchogue, NY, 88.1% of people are home owners and an average of 2.6 people occupy each home. From luxury houses to affordable condos to urban townhomes, there are many different types of real estate in North Patchogue, NY. We make it easy to find North Patchogue, NY real estate listings and homes for sale by filtering location, price, bedrooms and bathrooms in the search area above.

North Patchogue Home Affordability

  • $281,700Median home price
    2% lower than New York
  • $88,250Median home income
    45% higher than New York
  • 3.2xHome price to income ratio
    32% lower than New York
Home affordability can be a very important factor when determining where to purchase real estate in North Patchogue, NY. One method that can be used to calculate home affordability is the home price to median household income ratio. The median home price in North Patchogue, NY is $281,700 and the median household income is $88,250. This results in a home price to income ratio of 3.2x, which is 32% lower than the New York average. The home affordability ratio is calculated by dividing the median home price by the median home income. A lower than average home price to income ratio means that homes in North Patchogue, NY are more affordable based on the median price of homes compared to home income. Of course, there are many other factors to consider when focusing on home affordability. Use the home affordability calculator below to see exactly how much you can afford to pay for real estate in North Patchogue, NY.

North Patchogue Affordability Calculator

Include PMI
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  • Income taxes
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When searching for real estate in North Patchogue, NY, it is important to find a home that fits comfortably within your budget. The home affordability calculator allows you to determine what price of home in North Patchogue, NY you can afford based on your income, debts and down payment. For an even more complete picture, you can add in further details such as: length of mortgage term, mortgage rate, property taxes, home insurance and HOA dues. This will estimate the costs of home ownership and display the home price that would fit within that budget. Knowing the price of home that you can afford in North Patchogue, NY before you begin the house hunting process will keep you from getting too emotionally invested in homes that you may not be able to afford. The home affordability calculator will also allow you to balance your budget, so you know exactly how much will be spent on housing and how much you will have left over for any other living expenses and savings.

North Patchogue Mortgage Calculator

Your monthly payment will be:
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  • Mortgage
  • PMI fees
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What will my monthly costs be if I purchase North Patchogue, NY real estate? There are many different variables that go into determining the monthly cost of a home. The biggest is obviously the home price. But after the actual price of the home you will also need to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). PMI payments can be avoided for homeowners that are able to put 20% or more towards a down payment. The mortgage calculator has preset default values for these details, but they may be adjusted to give you a more accurate monthly payment estimate. Keep in mind that a good rule of thumb is to keep the DTI (debt-to-income) ratio to no more than 36 percent. This means that no more than 36 percent of gross monthly income should go to paying all debts.

North Patchogue Demographics

  • 6,656Population
  • 3,374People / sq mile
  • 41.8Median age
  • 0.9:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Mastic Beach, NY14,867$189,2002%
Mastic, NY15,641$236,60028%
Calverton, NY7,089$241,10031%
North Bellport, NY11,257$251,30036%
Central Islip, NY34,724$252,70037%
North Patchogue, NY6,656$281,70053%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
De Queen, AR6,657$78,80057%
Hapeville, GA6,658$100,80045%
Windsor, WI6,658$257,90040%
Inniswold, LA6,660$264,90043%
Cedarhurst, NY6,652$530,500187%
North Patchogue, NY6,656$281,70053%
Source: The North Patchogue, NY housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).