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City · 6,744 residents · Nassau County, New York

Bayville , New York

In Bayville, a typical home is worth $710,000 and typical rent is $2,127 a month. Compared with all of Nassau County, typical rent is 6% lower.

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  • Typical home value

    $710,000

    4% above the county

    68% above New York

    • Bayville
    • Nassau
    • New York

  • Typical rent

    $2,127a month

    6% below the county

    31% above New York

    • Bayville
    • Nassau
    • New York

  • Typical household income

    $149,191a year

    2% above the county

    74% above New York

    • Bayville
    • Nassau
    • New York

  • Households that own their home

    87%

    5 points above the county

    33 points above New York

    • Bayville
    • Nassau
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$859,307
4.5% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bayville is in Nassau 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 Nassau County. See the county

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Bayville

What homes there are in Bayville, 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

In Bayville, 9 in 10 homes are single-family detached houses; in Nassau County, 8.

Year built

Here half of the homes date from 1966 or later; in Nassau County, from 1955 or later.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,773 a month

Nassau County: $3,795 a month

Owners with a mortgage

58%

Nassau County: 62%

The typical cost for an owner with a mortgage in Bayville is $3,773 a month, near the figure in Nassau County ($3,795).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Bayville gained value more slowly than in Nassau County: 27% since 2015–2019, against 39%.

The typical rent in Bayville stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBayvilleNassau CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.4%5.3%3.4%
People per household 2.582.992.492.53
Drive alone 69%61%49%69%
Carpool Unreliable estimate7%6%9%
Public transit Unreliable estimate13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 10%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.58 on average, against 2.99 in Nassau County.

In Bayville, 69% of workers drive alone to work; in Nassau County, 61%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bayville?

A typical home costs more than the typical income allows

We start with a typical home in Bayville, worth $710,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Bayville, which is $149,191 a year. For that payment to be 28% of income, a household would need to earn about $264,291 a year.

The calculator's FHA and conventional loan limits are those of all of Nassau County.

Your numbers

Local data
$

Starts at the typical home value in Bayville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $24,850 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$6,167

at 7.18% · 30 years

Loan amount
$697,140
Total interest
$1,003,021
Paid off in
November 2056

Includes $11,990 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,481 a month

  • Tight

    $3,481 to $4,476 a month

  • Hard

    more than $4,476 a month

    Your payment · 50%

Compared with the typical household income in Bayville ($149,191 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,167
Principal & interest$4,723
Property tax$834
Home insurance$296
FHA mortgage insurance (MIP)$314

You need at least $24,850 for the down payment, plus closing costs.

Next step

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.

The city and its county

Bayville and Nassau County

Bayville is in Nassau 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).

Bayville's own numbers

Typical home value
$710,000
Typical monthly rent
$2,127
Typical yearly household income
$149,191
Households that own their home
87%
Effective property tax rate
1.41%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Nassau 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)
+45%
Homes in a high flood-risk zone
9.6%

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 Nassau County.

Everything about Nassau County

Buying

Buying a home in Bayville

A typical home in Bayville is worth $710,000: 4% above the county and 68% above New York. With the typical household income in Bayville ($149,191 a year), a typical home costs 4.8 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.

  • Bayville 4.8 years
  • Nassau 4.7 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nassau County

According to FHFA’s house price index, home prices in Nassau County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Nassau County.

Period County New York U.S.
Last year (2025) +7.0% +6.0% +2.9%
5 years (2020–2025) +45% +52% +47%
10 years (2015–2025) +82% +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

Bayville next to Nassau 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
  • Bayville $710,000
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Bayville $2,127
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Bayville $149,191
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
Bayville next to Nassau County and New York
Measure Bayville Nassau County New York U.S.
Typical home value $710,000 $684,700 $423,800 $332,700
Typical monthly rent $2,127 $2,252 $1,621 $1,413
Typical yearly household income $149,191 $146,202 $85,974 $80,734
Households that own their home 87% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.41% 1.46% 1.55% 0.94%
Renters with high rent for their income 72% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau 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 Bayville

For a typical $710,000 home in Bayville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bayville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,167a month

    Least cash to close
    Down payment
    $24,850
    Cash to close
    $46,150
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $314

  • Conventional, 5% down $6,037a month

    Down payment
    $35,500
    Cash to close
    $56,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $337

  • Conventional, 20% down, no PMI $4,978a month

    Down payment
    $142,000
    Cash to close
    $163,300
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,634a month

    Down payment
    $106,500
    Cash to close
    $127,800
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bayville and for Nassau County.

Property tax

Effective rate in Bayville

1.41%of the home’s value each year

$10,001 a year for the typical owner in Bayville.

  • Bayville 1.41%
  • Nassau 1.46%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Nassau County

FEMA does not publish these numbers by city: they are for all of Nassau County.

Homes in the high-risk zone
9.6%
35,643
Of those, with NFIP insurance
76%
County New York U.S.
Homes in the high-risk zone 9.6% 2% 3.5%
Of those, with NFIP insurance 76% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bayville

Typical rent in Bayville is $2,127 a month: 6% below the county. In Bayville, 72% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nassau 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.

HUD fair market rent for all of Nassau County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,964 $37.77 $78,560
1 bedroom $2,285 $43.94 $91,400
2 bedrooms $2,689 $51.71 $107,560
3 bedrooms $3,458 $66.50 $138,320
4 bedrooms $3,671 $70.60 $146,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bayville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bayville is in ZIP code 11709.

For 2 bedrooms it is $2,480: $209 less than the fair market rent for Nassau County ($2,689).

  • 11709 $2,480$3,210

A ZIP code counts for Bayville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bayville

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 3 HUD-approved agencies with an office in Nassau County; 2 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Bayville

No down payment, repair or rent-help program on our list is for Bayville or Nassau County. The ones below are statewide in New York: they work in Bayville the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Bayville

The HUD-approved agencies closest to the center of Bayville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Human Development Services of Westchester, Inc.

    26 N Main St, Port Chester · 8 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (914) 835-8906

  • The Safeguard Group - Housing & Debt Advisors

    67 Fort Salonga Rd, Northport · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (800) 673-6993

  • COMMUNITY DEVELOPMENT CORPORATION OF LONG ISLAND dba Community Development Long Island

    1660 Walt Whitman Rd Ste 130, Melville · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (631) 471-1215

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near Bayville

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bayville

In HUD’s record, no housing authority with an office in Nassau County is named for Bayville or Nassau County.

11 other authorities have an office in Nassau County: see the list Source: HUD

Cities

Other cities in Nassau County

These cities are also in Nassau County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Nassau County Housing in New York
See 57 more cities in Nassau County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Bayville, with the typical home value.

Neighboring counties

If Nassau County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bayville.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Bayville

Short answers with the numbers for Bayville and all of Nassau 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 Bayville?

The typical home value in Bayville is $710,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.

How much does it cost to rent in Bayville?

Typical rent in Bayville is $2,127 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $2,689.

What is the FHA loan limit in Bayville?

Bayville uses the FHA limit for all of Nassau 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 Bayville?

The typical homeowner in Bayville pays $10,001 a year, according to the U.S. Census Bureau. That is 1.41% of the home’s value; in Nassau County, the rate is 1.46%.

Where can I find free help to buy or rent in Bayville?

There are 3 HUD-approved counseling agencies with an office in Nassau County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).