ZIP Code 11935 — Cutchogue, New York

The median home in 11935 is valued at $885,900 against a median household income of $138,024, a price-to-income ratio of 6.4. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Suffolk County, 11935 ranks 77 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2. Renting takes 18.9% of median household income (median rent $2,176 a month), under the 30% cost-burden threshold.

11935 ranks 182 of 1,572 statewide on median household income and 116 of 1,572 on median home value; its income is above the $128,844 Suffolk County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 55% 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 1.0%.

With 286 residents per square mile across 10.3 square miles of land, 11935 is denser than the statewide ZIP median of 197 (rank 697 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.