ZIP Code 11946 — Hampton Bays, New York

The median home in 11946 is valued at $691,300 against a median household income of $128,844, a price-to-income ratio of 5.4. 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, though it is among the more attainable ratios in the state. Within Suffolk County, 11946 ranks 68 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2. Renting takes 21.3% of median household income (median rent $2,288 a month), under the 30% cost-burden threshold.

11946 ranks 215 of 1,572 statewide on median household income and 200 of 1,572 on median home value; its income is in line with the $128,844 Suffolk County median. 78% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 43% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 8.7%, below the 9.9% statewide ZIP median. Unemployment stands at 3.9%.

With 1,282 residents per square mile across 13.5 square miles of land, 11946 is far denser than the statewide ZIP median of 197 (rank 476 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.