In Bayport, a typical home is worth $650,800 and typical rent is $1,866 a month. Compared with all of Suffolk County, typical rent is 17% lower and typical household income is 13% higher.
Typical home value from Zillow, September 2021 to September 2026: from $584,793 to $786,439.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bayport is in Suffolk County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Suffolk County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in North Patchogue, the typical home value is $450,600: 31% less than in Bayport ($650,800).
2
The typical rent in Bayport is $1,866 a month, 17% less than in Suffolk County as a whole ($2,255).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bayport
What homes there are in Bayport, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bayport
Suffolk County
New York
United States
Kind of home: Bayport and its comparisons
Measure
Bayport
Suffolk County
New York
United States
Detached house
74%
80%
41%
61%
Attached house
7%
6%
6%
6%
Building of 2 to 4
Unreliable estimate
5%
17%
8%
Apartments (5 or more)
Unreliable estimate
8%
35%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Bayport, but it weighs less than in Suffolk County: 74% against 80%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Bayport
Suffolk County
New York
United States
Year built: Bayport and its comparisons
Measure
Bayport
Suffolk County
New York
United States
Before 1960
40%
31%
52%
26%
1960–1979
33%
38%
22%
24%
1980–1999
14%
19%
14%
25%
2000–2009
5%
8%
6%
14%
2010 or later
8%
4%
6%
11%
In Bayport, half of the homes were built before 1967; in Suffolk County, before 1970.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K23%
$500K–$750K39%
$750K–$1M22%
$1M or moreUnreliable
Value of owner-occupied homes: Bayport and its comparisons
Measure
Bayport
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
23%
$500K–$750K
39%
$750K–$1M
22%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99937%
$2,000–$2,49920%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bayport and its comparisons
Measure
Bayport
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
37%
$2,000–$2,499
20%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,899 a month
Suffolk County: $3,320 a month
Owners with a mortgage
57%
Suffolk County: 62%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bayport+45%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
Bayport+12%
Suffolk County+29%
New York+27%
United States+33%
Typical household income
Bayport+40%
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: Bayport and its comparisons
Measure
Bayport
Suffolk County
New York
United States
Typical home value
+45%
+46%
+35%
+53%
Typical rent
+12%
+29%
+27%
+33%
Typical household income
+40%
+29%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Bayport rose at about the same pace as in Suffolk County: 45% against 46%.
Rents in Bayport rose more slowly than in Suffolk County: 12% since 2015–2019, against 29%.
While home values in Bayport changed +45% and rent +12%, the typical household income rose 40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bayport and its comparisons
Measure
Bayport
Suffolk County
New York
United States
Rental vacancy
Unreliable estimate
4.1%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.8%
5.3%
3.4%
People per household
2.72
2.93
2.49
2.53
Drive alone
77%
72%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
3%
5%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
12%
12%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Bayport has 2.72 people, fewer than in Suffolk County (2.93).
To get to work, 77% of workers in Bayport drive alone; in Suffolk County, 72%.
Do the math
What would you pay each month for a home in Bayport?
A typical home costs more than the typical income allows
We start with a typical home in Bayport, worth $650,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Bayport, which is $147,818 a year. For that payment to be 28% of income, a household would need to earn about $245,276 a year.
The calculator's FHA and conventional loan limits are those of all of Suffolk County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bayport. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $22,778 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,723
at 7.18% · 30 years
Loan amount
$639,012
Total interest
$919,389
Paid off in
November 2056
Includes $10,990 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,449 a month
Tight
$3,449 to $4,435 a month
Hard
more than $4,435 a month
Your payment · 46%
Compared with the typical household income in Bayport ($147,818 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,329
Property tax
$835
Home insurance
$271
FHA mortgage insurance (MIP)
$288
You need at least $22,778 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,723; principal and interest $4,329.
The city and its county
Bayport and Suffolk County
Bayport is in Suffolk County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Bayport
Map of Suffolk County, New York, with Bayport marked. Around it, the neighboring counties.
Bayport
Suffolk County
Other cities with a page
Bayport's own numbers
Typical home value
$650,800
Typical monthly rent
$1,866
Typical yearly household income
$147,818
Households that own their home
80%
Effective property tax rate
1.54%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Suffolk County
FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,689
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
4.3%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Suffolk County.
A typical home in Bayport is worth $650,800: 13% above the county and 54% above New York. With the typical household income in Bayport ($147,818 a year), a typical home costs 4.4 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Bayport4.4 years
Suffolk4.4 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Suffolk County
According to FHFA’s house price index, home prices in Suffolk County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Suffolk County.
Yearly change in FHFA’s price index in Suffolk County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +4.6% +4.6% 2017
2018: +6.3% +6.3% 2018
2019: +4.4% +4.4% 2019
2020: +4.3% +4.3% 2020
2021: +10.7% +10.7% 2021
2022: +13.2% +13.2% 2022
2023: +7.1% +7.1% 2023
2024: +9.2% +9.2% 2024
2025: +5.4% +5.4% 2025
Change in FHFA’s price index in Suffolk County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+5.4%
+6.0%
+2.9%
5 years (2020–2025)
+54%
+52%
+47%
10 years (2015–2025)
+92%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Bayport next to Suffolk County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Bayport$650,800
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
Bayport$1,866
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
Bayport$147,818
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
Bayport next to Suffolk County and New York
Measure
Bayport
Suffolk County
New York
U.S.
Typical home value
$650,800 ▲13% above the county
$578,400
$423,800
$332,700
Typical monthly rent
$1,866 ▼17% below the county
$2,255
$1,621
$1,413
Typical yearly household income
$147,818 ▲13% above the county
$130,686
$85,974
$80,734
Households that own their home
80% ▼2 points below the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.54% ▼0.19 points below the county
1.73%
1.55%
0.94%
Renters with high rent for their income
57% ▼2 points below the county
59%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Suffolk County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Bayport
For a typical $650,800 home in Bayport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bayport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,723a month
Least cash to close
Down payment
$22,778
Cash to close
$42,302
Rate
7.18%
Mortgage insurance
FHA MIP · $288
Conventional, 5% down$5,604a month
Down payment
$32,540
Cash to close
$52,064
Rate
7.18%
Mortgage insurance
PMI · $309
Conventional, 20% down, no PMI$4,633a month
Down payment
$130,160
Cash to close
$149,684
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,235a month
Down payment
$97,620
Cash to close
$117,144
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bayport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,723
$22,778
$639,012
7.18%
FHA MIP · $288
$42,302
580
Conventional, 5% down
$5,604
$32,540
$618,260
7.18%
PMI · $309
$52,064
620*
Conventional, 20% down, no PMI
$4,633
$130,160
$520,640
7.18%
None
$149,684
620*
ITIN, 15% down (example)
$5,235
$97,620
$553,180
8.18%
None
$117,144
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Bayport is $1,866 a month: 17% below the county. In Bayport, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Suffolk County, by unit size. To pay the 2-bedroom one ($2,689 a month) without spending more than 30% of your income, you would need to earn $51.71 an hour working full time.
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 10 HUD-approved agencies with an office in Suffolk County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Bayport or Suffolk County. The ones below are statewide in New York: they work in Bayport the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Bayport or Suffolk County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bayport and all of Suffolk County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Bayport?
The typical home value in Bayport is $650,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Suffolk County it is $578,400.
How much does it cost to rent in Bayport?
Typical rent in Bayport is $1,866 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Suffolk County is $2,689.
What is the FHA loan limit in Bayport?
Bayport uses the FHA limit for all of Suffolk County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.
How much property tax do owners pay in Bayport?
The typical homeowner in Bayport pays $10,001 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Suffolk County, the rate is 1.73%.
Where can I find free help to buy or rent in Bayport?
There are 10 HUD-approved counseling agencies with an office in Suffolk County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
