ZIP Code 11787 — Smithtown, New York

The median home in 11787 is valued at $642,200 against a median household income of $141,505, a price-to-income ratio of 4.5. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Suffolk County, 11787 ranks 56 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2. Renting takes 19.9% of median household income (median rent $2,349 a month), under the 30% cost-burden threshold.

11787 ranks 166 of 1,572 statewide on median household income and 252 of 1,572 on median home value; its income is above the $128,844 Suffolk County median. 86% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 51% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.3%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.6%.

With 2,326 residents per square mile across 14.9 square miles of land, 11787 is far denser than the statewide ZIP median of 197 (rank 383 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.