ZIP Code 11978 — Westhampton Beach, New York

The median home in 11978 is valued at $1,045,100 against a median household income of $108,938, a price-to-income ratio of 9.6. 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, 11978 ranks 88 of 95 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.2. Renting takes 22.9% of median household income (median rent $2,079 a month), under the 30% cost-burden threshold.

11978 ranks 372 of 1,572 statewide on median household income and 64 of 1,572 on median home value; its income is below the $128,844 Suffolk County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 59% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 9.9%, in line with the 9.9% statewide ZIP median. Unemployment stands at 6.7%.

With 429 residents per square mile across 10.2 square miles of land, 11978 is far denser than the statewide ZIP median of 197 (rank 632 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.