ZIP Code 11971 — Southold, New York

The median home in 11971 is valued at $762,700 against a median household income of $124,097, a price-to-income ratio of 6.1. 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, 11971 ranks 73 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2. Renting takes 21.7% of median household income (median rent $2,240 a month), under the 30% cost-burden threshold.

11971 ranks 245 of 1,572 statewide on median household income and 165 of 1,572 on median home value; its income is in line with the $128,844 Suffolk County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 53% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.5%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 6.8%.

With 592 residents per square mile across 11 square miles of land, 11971 is far denser than the statewide ZIP median of 197 (rank 576 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.