ZIP Code 11786 — Shoreham, New York

The median home in 11786 is valued at $539,900 against a median household income of $161,250, a price-to-income ratio of 3.3. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Suffolk County, 11786 ranks 5 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2. Renting takes 14.5% of median household income (median rent $1,955 a month), under the 30% cost-burden threshold.

11786 ranks 93 of 1,572 statewide on median household income and 343 of 1,572 on median home value; its income is above the $128,844 Suffolk County median. 96% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 44% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 2.0%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 4.0%.

With 1,322 residents per square mile across 4.8 square miles of land, 11786 is far denser than the statewide ZIP median of 197 (rank 470 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.