ZIP Code 11964 — Shelter Island, New York

The median home in 11964 is valued at $998,700 against a median household income of $129,826, a price-to-income ratio of 7.7. 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, 11964 ranks 82 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2.

11964 ranks 213 of 1,572 statewide on median household income and 82 of 1,572 on median home value; its income is in line with the $128,844 Suffolk County median. 94% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 52% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.7%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.9%.

With 304 residents per square mile across 9.4 square miles of land, 11964 is far denser than the statewide ZIP median of 197 (rank 687 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.