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City · 31,839 residents · Suffolk County, New York

Centereach , New York

In Centereach, a typical home is worth $514,800 and typical rent is $2,420 a month. Compared with all of Suffolk County, the typical home value is 11% lower and typical rent is 7% higher.

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  • Typical home value

    $514,800

    11% below the county

    21% above New York

    • Centereach
    • Suffolk
    • New York

  • Typical rent

    $2,420a month

    7% above the county

    49% above New York

    • Centereach
    • Suffolk
    • New York

  • Typical household income

    $132,240a year

    About the same as the county

    54% above New York

    • Centereach
    • Suffolk
    • New York

  • Households that own their home

    87%

    4 points above the county

    32 points above New York

    • Centereach
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$655,941
7.2% more than 12 months ago
Typical rent
$3,381 a month

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

Centereach 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

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Centereach

What homes there are in Centereach, 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

The detached house rules in Centereach: 90% of homes, more than in Suffolk County (80%).

Year built

The typical year built in Centereach is 1970, about the same as in Suffolk County (1970).

There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 73% in Suffolk County.

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

$3,175 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,486 a month

Suffolk County: $1,478 a month

Owners with a mortgage

67%

Suffolk County: 62%

The typical cost for an owner with a mortgage in Centereach is $3,175 a month, near the figure in Suffolk County ($3,320).

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

Centereach does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Suffolk County the typical home value rose 46%.

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

MeasureCentereachSuffolk CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.1%3.8%5.5%
Homeowner vacancy Unreliable estimate0.6%1.1%0.9%
More than one person per room Unreliable estimate2.8%5.3%3.4%
People per household 3.262.932.492.53
Drive alone 77%72%49%69%
Carpool 9%8%6%9%
Public transit 1%5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 11%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Centereach are bigger: 3.26 people on average; in Suffolk County, 2.93.

In Centereach, 77% of workers drive alone to work; in Suffolk County, 72%.

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 Centereach?

A typical home costs more than the typical income allows

We start with a typical home in Centereach, worth $514,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Centereach, which is $132,240 a year. For that payment to be 28% of income, a household would need to earn about $201,374 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Centereach. 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 $18,018 (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

$4,699

at 7.18% · 30 years

Loan amount
$505,476
Total interest
$727,261
Paid off in
November 2056

Includes $8,694 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,086 a month

  • Tight

    $3,086 to $3,967 a month

  • Hard

    more than $3,967 a month

    Your payment · 43%

Compared with the typical household income in Centereach ($132,240 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,699
Principal & interest$3,424
Property tax$832
Home insurance$215
FHA mortgage insurance (MIP)$228

You need at least $18,018 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

Centereach and Suffolk County

Centereach 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).

Centereach's own numbers

Typical home value
$514,800
Typical monthly rent
$2,420
Typical yearly household income
$132,240
Households that own their home
87%
Effective property tax rate
1.94%

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.

Everything about Suffolk County

Buying

Buying a home in Centereach

A typical home in Centereach is worth $514,800: 11% below the county and 21% above New York. With the typical household income in Centereach ($132,240 a year), a typical home costs 3.9 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.

  • Centereach 3.9 years
  • Suffolk 4.4 years
  • New York 4.9 years
  • United States 4.1 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.

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

Centereach 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
  • Centereach $514,800
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Centereach $2,420
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Centereach $132,240
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Centereach next to Suffolk County and New York
Measure Centereach Suffolk County New York U.S.
Typical home value $514,800 $578,400 $423,800 $332,700
Typical monthly rent $2,420 $2,255 $1,621 $1,413
Typical yearly household income $132,240 $130,686 $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 1.94% 1.73% 1.55% 0.94%
Renters with high rent for their income 65% 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 Centereach

For a typical $514,800 home in Centereach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Centereach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,699a month

    Least cash to close
    Down payment
    $18,018
    Cash to close
    $33,462
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $228

  • Conventional, 5% down $4,604a month

    Down payment
    $25,740
    Cash to close
    $41,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $245

  • Conventional, 20% down, no PMI $3,837a month

    Down payment
    $102,960
    Cash to close
    $118,404
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,313a month

    Down payment
    $77,220
    Cash to close
    $92,664
    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 Centereach and for Suffolk County.

Property tax

Effective rate in Centereach

1.94%of the home’s value each year

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

  • Centereach 1.94%
  • Suffolk 1.73%
  • 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 Suffolk County

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

Homes in the high-risk zone
4.3%
21,119
Of those, with NFIP insurance
66%
County New York U.S.
Homes in the high-risk zone 4.3% 2% 3.5%
Of those, with NFIP insurance 66% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Centereach

Typical rent in Centereach is $2,420 a month: 7% above the county. In Centereach, 65% 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.

HUD fair market rent for all of Suffolk 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 Centereach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Centereach is in ZIP code 11720.

For 2 bedrooms it is $2,580: $109 less than the fair market rent for Suffolk County ($2,689).

  • 11720 $2,580$3,320

A ZIP code counts for Centereach 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 Centereach

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Centereach

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

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

Housing counselors near Centereach

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

  • Long Island Housing Services, Incorporated

    640 Johnson Ave Ste 8, Bohemia · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (631) 567-5111

  • Economic Opportunity Council of Suffolk, Inc.

    31 W Main St, Patchogue · 8 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (631) 968-8000

  • Community Housing Innovations, Inc.

    55 Medford Ave., Ste. B, Patchogue · 8 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    631-475-6390-225

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near Centereach

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 Centereach

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

13 other authorities have an office in Suffolk County: see the list Source: HUD

Cities

Other cities in Suffolk County

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

Everything about Suffolk County Housing in New York
See 72 more cities in Suffolk County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Suffolk 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 Centereach.

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

Questions

Housing questions about Centereach

Short answers with the numbers for Centereach 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 Centereach?

The typical home value in Centereach is $514,800, 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 Centereach?

Typical rent in Centereach is $2,420 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 Centereach?

Centereach 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 Centereach?

The typical homeowner in Centereach pays $10,001 a year, according to the U.S. Census Bureau. That is 1.94% of the home’s value; in Suffolk County, the rate is 1.73%.

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

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.

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).