In East Moriches, a typical home is worth $664,100 and typical rent is $2,314 a month. Compared with all of Suffolk County, the typical home value is 15% higher, typical household income is 7% higher, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $605,533 to $791,336.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
East Moriches 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 Mastic Beach, the typical home value is $357,200: 46% less than in East Moriches ($664,100).
2
75% of households in East Moriches own their home, against 82% in Suffolk County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in East Moriches
What homes there are in East Moriches, 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
East Moriches
Suffolk County
New York
United States
Kind of home: East Moriches and its comparisons
Measure
East Moriches
Suffolk County
New York
United States
Detached house
78%
80%
41%
61%
Attached house
Unreliable estimate
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%
As in Suffolk County, most homes in East Moriches are detached houses (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
East Moriches
Suffolk County
New York
United States
Year built: East Moriches and its comparisons
Measure
East Moriches
Suffolk County
New York
United States
Before 1960
22%
31%
52%
26%
1960–1979
32%
38%
22%
24%
1980–1999
25%
19%
14%
25%
2000–2009
14%
8%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
The typical home in East Moriches was built in 1978, 8 years after the typical one in Suffolk County.
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–$500K15%
$500K–$750K42%
$750K–$1M27%
$1M or moreUnreliable
Value of owner-occupied homes: East Moriches and its comparisons
Measure
East Moriches
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
15%
$500K–$750K
42%
$750K–$1M
27%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,49962%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: East Moriches and its comparisons
Measure
East Moriches
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
62%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$4,000 a month
Suffolk County: $3,320 a month
Owners with a mortgage
68%
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
East Moriches+51%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
East Moriches+30%
Suffolk County+29%
New York+27%
United States+33%
Typical household income
East Moriches+33%
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: East Moriches and its comparisons
Measure
East Moriches
Suffolk County
New York
United States
Typical home value
+51%
+46%
+35%
+53%
Typical rent
+30%
+29%
+27%
+33%
Typical household income
+33%
+29%
+26%
+29%
The typical home value in East Moriches rose 51% since 2015–2019, more than in Suffolk County (46%).
The typical rent in East Moriches rose 30% since 2015–2019, about the same as in Suffolk County (29%).
The typical household income in East Moriches rose 33% over that time; home values changed +51% and rent +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: East Moriches and its comparisons
Measure
East Moriches
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
2.76
2.93
2.49
2.53
Drive alone
61%
72%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
5%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
17%
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
Households in East Moriches are smaller: 2.76 people on average; in Suffolk County, 2.93.
In East Moriches, 17% of workers work from home, more than in Suffolk County (12%).
Do the math
What would you pay each month for a home in East Moriches?
A typical home costs more than the typical income allows
We start with a typical home in East Moriches, worth $664,100, 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 East Moriches, which is $139,222 a year. For that payment to be 28% of income, a household would need to earn about $249,577 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 East Moriches. 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 $23,244 (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
$5,823
at 7.18% · 30 years
Loan amount
$652,071
Total interest
$938,177
Paid off in
November 2056
Includes $11,215 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,249 a month
Tight
$3,249 to $4,177 a month
Hard
more than $4,177 a month
Your payment · 50%
Compared with the typical household income in East Moriches ($139,222 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,417
Property tax
$836
Home insurance
$277
FHA mortgage insurance (MIP)
$294
You need at least $23,244 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 $5,823; principal and interest $4,417.
The city and its county
East Moriches and Suffolk County
East Moriches 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).
East Moriches
Map of Suffolk County, New York, with East Moriches marked. Around it, the neighboring counties.
East Moriches
Suffolk County
Other cities with a page
East Moriches's own numbers
Typical home value
$664,100
Typical monthly rent
$2,314
Typical yearly household income
$139,222
Households that own their home
75%
Effective property tax rate
1.51%
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 East Moriches is worth $664,100: 15% above the county and 57% above New York. With the typical household income in East Moriches ($139,222 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.
East Moriches4.8 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
East Moriches 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
East Moriches$664,100
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
East Moriches$2,314
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
East Moriches$139,222
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
East Moriches next to Suffolk County and New York
Measure
East Moriches
Suffolk County
New York
U.S.
Typical home value
$664,100 ▲15% above the county
$578,400
$423,800
$332,700
Typical monthly rent
$2,314 ▲3% above the county
$2,255
$1,621
$1,413
Typical yearly household income
$139,222 ▲7% above the county
$130,686
$85,974
$80,734
Households that own their home
75% ▼7 points below the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.51% ▼0.22 points below the county
1.73%
1.55%
0.94%
Renters with high rent for their income
66% ▲7 points above 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 East Moriches
For a typical $664,100 home in East Moriches, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Moriches's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,823a month
Least cash to close
Down payment
$23,244
Cash to close
$43,167
Rate
7.18%
Mortgage insurance
FHA MIP · $294
Conventional, 5% down$5,702a month
Down payment
$33,205
Cash to close
$53,128
Rate
7.18%
Mortgage insurance
PMI · $315
Conventional, 20% down, no PMI$4,711a month
Down payment
$132,820
Cash to close
$152,743
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,325a month
Down payment
$99,615
Cash to close
$119,538
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in East Moriches
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,823
$23,244
$652,071
7.18%
FHA MIP · $294
$43,167
580
Conventional, 5% down
$5,702
$33,205
$630,895
7.18%
PMI · $315
$53,128
620*
Conventional, 20% down, no PMI
$4,711
$132,820
$531,280
7.18%
None
$152,743
620*
ITIN, 15% down (example)
$5,325
$99,615
$564,485
8.18%
None
$119,538
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 East Moriches is $2,314 a month: 3% above the county. In East Moriches, 66% 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 East Moriches or Suffolk County. The ones below are statewide in New York: they work in East Moriches 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).
The HUD-approved agencies closest to the center of East Moriches, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CH
Community Housing Innovations, Inc.
55 Medford Ave., Ste. B, Patchogue · 13 miles away
No legal help resource on our list is for East Moriches 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 East Moriches 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 East Moriches?
The typical home value in East Moriches is $664,100, 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 East Moriches?
Typical rent in East Moriches is $2,314 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 East Moriches?
East Moriches 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 East Moriches?
The typical homeowner in East Moriches pays $10,001 a year, according to the U.S. Census Bureau. That is 1.51% of the home’s value; in Suffolk County, the rate is 1.73%.
Where can I find free help to buy or rent in East Moriches?
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.
