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City · 10,149 residents · Suffolk County, New York

East Setauket , New York

In East Setauket, a typical home is worth $637,800 and typical rent is $2,178 a month. Compared with all of Suffolk County, typical household income is 16% higher, the typical home value is 10% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $637,800

    10% above the county

    50% above New York

    • East Setauket
    • Suffolk
    • New York

  • Typical rent

    $2,178a month

    3% below the county

    34% above New York

    • East Setauket
    • Suffolk
    • New York

  • Typical household income

    $151,603a year

    16% above the county

    76% above New York

    • East Setauket
    • Suffolk
    • New York

  • Households that own their home

    88%

    6 points above the county

    34 points above New York

    • East Setauket
    • Suffolk
    • New York

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

East Setauket 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

Only here

What sets East Setauket apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Terryville, the typical home value is $481,200: 25% less than in East Setauket ($637,800).

  2. The typical household income in East Setauket is $151,603, 16% more than in Suffolk County as a whole ($130,686).

  3. 88% of households in East Setauket own their home, against 82% in Suffolk County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in East Setauket

What homes there are in East Setauket, 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 is the most common home in East Setauket: 77% of homes, near the figure in Suffolk County (80%).

Year built

In East Setauket, half of the homes were built before 1971; in Suffolk County, before 1970.

There is more room for a big family here: 82% 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

$3,856 a month

Suffolk County: $3,320 a month

Owners with a mortgage

61%

Suffolk County: 62%

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

The boundaries of East Setauket changed since 2015–2019, so the Census does not compare its figures from then and now. 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

MeasureEast SetauketSuffolk 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 2.722.932.492.53
Drive alone 77%72%49%69%
Carpool 6%8%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 14%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.72 on average, against 2.93 in Suffolk County.

In East Setauket, 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 East Setauket?

A typical home costs more than the typical income allows

We start with a typical home in East Setauket, worth $637,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in East Setauket, which is $151,603 a year. For that payment to be 28% of income, a household would need to earn about $241,059 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 East Setauket. 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 $22,323 (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

$5,625

at 7.18% · 30 years

Loan amount
$626,248
Total interest
$901,024
Paid off in
November 2056

Includes $10,771 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,537 a month

  • Tight

    $3,537 to $4,548 a month

  • Hard

    more than $4,548 a month

    Your payment · 45%

Compared with the typical household income in East Setauket ($151,603 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,625
Principal & interest$4,242
Property tax$834
Home insurance$266
FHA mortgage insurance (MIP)$282

You need at least $22,323 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

East Setauket and Suffolk County

East Setauket 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 Setauket's own numbers

Typical home value
$637,800
Typical monthly rent
$2,178
Typical yearly household income
$151,603
Households that own their home
88%
Effective property tax rate
1.57%

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 East Setauket

A typical home in East Setauket is worth $637,800: 10% above the county and 50% above New York. With the typical household income in East Setauket ($151,603 a year), a typical home costs 4.2 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 Setauket 4.2 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

East Setauket 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 Setauket $637,800
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • East Setauket $2,178
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • East Setauket $151,603
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
East Setauket next to Suffolk County and New York
Measure East Setauket Suffolk County New York U.S.
Typical home value $637,800 $578,400 $423,800 $332,700
Typical monthly rent $2,178 $2,255 $1,621 $1,413
Typical yearly household income $151,603 $130,686 $85,974 $80,734
Households that own their home 88% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.57% 1.73% 1.55% 0.94%

“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 Setauket

For a typical $637,800 home in East Setauket, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Setauket's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,625a month

    Least cash to close
    Down payment
    $22,323
    Cash to close
    $41,457
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $282

  • Conventional, 5% down $5,508a month

    Down payment
    $31,890
    Cash to close
    $51,024
    Rate
    7.18%
    Mortgage insurance
    PMI · $303

  • Conventional, 20% down, no PMI $4,557a month

    Down payment
    $127,560
    Cash to close
    $146,694
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,146a month

    Down payment
    $95,670
    Cash to close
    $114,804
    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 East Setauket and for Suffolk County.

Property tax

Effective rate in East Setauket

1.57%of the home’s value each year

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

  • East Setauket 1.57%
  • 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 East Setauket

Typical rent in East Setauket is $2,178 a month: 3% below the county.

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 East Setauket

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Setauket is in ZIP code 11733.

For 2 bedrooms it is $2,870: $181 more than the fair market rent for Suffolk County ($2,689).

  • 11733 $2,870$3,690

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Setauket 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 East Setauket

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.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in East Setauket

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

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

Housing counselors near East Setauket

The HUD-approved agencies closest to the center of East Setauket, 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 · 10 miles away · Spanish

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

  • Central Islip Civic Council, Inc.

    68 Wheeler Rd, Central Islip · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (631) 348-0669

  • Long Island Housing Partnership, Inc.

    180 Oser Ave, Hauppauge · 11 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (631) 435-4710

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near East Setauket

2 of the 3 agencies on this list say they serve 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 East Setauket

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

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about East Setauket

Short answers with the numbers for East Setauket 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 Setauket?

The typical home value in East Setauket is $637,800, 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 East Setauket?

Typical rent in East Setauket is $2,178 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 Setauket?

East Setauket 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 Setauket?

The typical homeowner in East Setauket pays $10,001 a year, according to the U.S. Census Bureau. That is 1.57% 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 Setauket?

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).