In Farmingdale, a typical home is worth $559,700 and typical rent is $2,520 a month. Compared with all of Nassau County, the typical home value is 18% lower, typical household income is 16% lower, and the share of households that own their home is 12 points lower.
Farmingdale 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Bethpage, the typical rent is $2,014: 20% less than in Farmingdale ($2,520).
2
70% of households in Farmingdale own their home, against 82% in Nassau County.
3
The typical home in Farmingdale is worth $559,700,18% less than in Nassau County as a whole ($684,700).
4
The typical household income in Farmingdale is $122,980,16% less than in Nassau County as a whole ($146,202).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Farmingdale
What homes there are in Farmingdale, 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
Farmingdale
Nassau County
New York
United States
Kind of home: Farmingdale and its comparisons
Measure
Farmingdale
Nassau County
New York
United States
Detached house
48%
76%
41%
61%
Attached house
5%
3%
6%
6%
Building of 2 to 4
9%
8%
17%
8%
Apartments (5 or more)
38%
13%
35%
19%
Mobile home
Unreliable estimate
0%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Farmingdale there is a bit of everything: no kind of home reaches half. The most common are detached houses (48%); in Nassau County, 76%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Farmingdale
Nassau County
New York
United States
Year built: Farmingdale and its comparisons
Measure
Farmingdale
Nassau County
New York
United States
Before 1960
46%
66%
52%
26%
1960–1979
23%
19%
22%
24%
1980–1999
16%
7%
14%
25%
2000–2009
7%
3%
6%
14%
2010 or later
8%
4%
6%
11%
The typical home in Farmingdale was built in 1963, 8 years after the typical one in Nassau 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–$300K11%
$300K–$500K22%
$500K–$750K47%
$750K–$1M12%
$1M or moreUnreliable
Value of owner-occupied homes: Farmingdale and its comparisons
Measure
Farmingdale
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
11%
$300K–$500K
22%
$500K–$750K
47%
$750K–$1M
12%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99916%
$2,000–$2,49923%
$2,500–$2,99920%
$3,000 or moreUnreliable
Monthly rent with utilities: Farmingdale and its comparisons
Measure
Farmingdale
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
16%
$2,000–$2,499
23%
$2,500–$2,999
20%
$3,000 or more
Unreliable estimate
With a mortgage
$2,917 a month
Nassau County: $3,795 a month
Owners with a mortgage
60%
Nassau County: 62%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Farmingdale+39%
Nassau County+39%
New York+35%
United States+53%
Typical rent
Farmingdale+60%
Nassau County+27%
New York+27%
United States+33%
Typical household income
Farmingdale+28%
Nassau County+26%
New York+26%
United States+29%
Change since 2015–2019: Farmingdale and its comparisons
Measure
Farmingdale
Nassau County
New York
United States
Typical home value
+39%
+39%
+35%
+53%
Typical rent
+60%
+27%
+27%
+33%
Typical household income
+28%
+26%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Farmingdale rose at about the same pace as in Nassau County: 39% against 39%.
Since 2015–2019, the typical rent in Farmingdale rose 60%, more than in Nassau County (27%).
Housing prices ran ahead of income in Farmingdale: typical income rose 28%, against +39% for home values and +60% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Farmingdale and its comparisons
Measure
Farmingdale
Nassau County
New York
United States
Rental vacancy
Unreliable estimate
4.5%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.4%
5.3%
3.4%
People per household
2.35
2.99
2.49
2.53
Drive alone
68%
61%
49%
69%
Carpool
Unreliable estimate
7%
6%
9%
Public transit
11%
13%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
16%
16%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Farmingdale has 2.35 people, fewer than in Nassau County (2.99).
To get to work, 68% of workers in Farmingdale drive alone; in Nassau County, 61%.
Do the math
What would you pay each month for a home in Farmingdale?
A typical home costs more than the typical income allows
We start with a typical home in Farmingdale, worth $559,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Farmingdale, which is $122,980 a year. For that payment to be 28% of income, a household would need to earn about $215,939 a year.
The calculator's FHA and conventional loan limits are those of all of Nassau 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 Farmingdale. 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 $19,590 (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
$5,039
at 7.18% · 30 years
Loan amount
$549,562
Total interest
$790,691
Paid off in
November 2056
Includes $9,452 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,870 a month
Tight
$2,870 to $3,689 a month
Hard
more than $3,689 a month
Your payment · 49%
Compared with the typical household income in Farmingdale ($122,980 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,723
Property tax
$835
Home insurance
$233
FHA mortgage insurance (MIP)
$248
You need at least $19,590 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 $5,039; principal and interest $3,723.
The city and its county
Farmingdale and Nassau County
Farmingdale 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).
Farmingdale
Map of Nassau County, New York, with Farmingdale marked. Around it, the neighboring counties.
Farmingdale
Nassau County
Other cities with a page
Farmingdale's own numbers
Typical home value
$559,700
Typical monthly rent
$2,520
Typical yearly household income
$122,980
Households that own their home
70%
Effective property tax rate
1.79%
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.
A typical home in Farmingdale is worth $559,700: 18% below the county and 32% above New York. With the typical household income in Farmingdale ($122,980 a year), a typical home costs 4.6 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.
Farmingdale4.6 years
Nassau4.7 years
New York4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Nassau County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +6.0% +6.0% 2017
2018: +6.6% +6.6% 2018
2019: +3.8% +3.8% 2019
2020: +2.8% +2.8% 2020
2021: +7.0% +7.0% 2021
2022: +11.3% +11.3% 2022
2023: +5.7% +5.7% 2023
2024: +7.4% +7.4% 2024
2025: +7.0% +7.0% 2025
Change in FHFA’s price index in Nassau County, New York and the United States
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
Farmingdale 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
Farmingdale$559,700
Nassau$684,700
New York$423,800
United States$332,700
Typical monthly rent
Farmingdale$2,520
Nassau$2,252
New York$1,621
United States$1,413
Typical yearly household income
Farmingdale$122,980
Nassau$146,202
New York$85,974
United States$80,734
See the full table
Farmingdale next to Nassau County and New York
Measure
Farmingdale
Nassau County
New York
U.S.
Typical home value
$559,700 ▼18% below the county
$684,700
$423,800
$332,700
Typical monthly rent
$2,520 ▲12% above the county
$2,252
$1,621
$1,413
Typical yearly household income
$122,980 ▼16% below the county
$146,202
$85,974
$80,734
Households that own their home
70% ▼12 points below the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.79% ▲0.33 points above the county
1.46%
1.55%
0.94%
Renters with high rent for their income
56% ▲1 points above the county
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 Farmingdale
For a typical $559,700 home in Farmingdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Farmingdale's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,039a month
Least cash to close
Down payment
$19,590
Cash to close
$36,381
Rate
7.18%
Mortgage insurance
FHA MIP · $248
Conventional, 5% down$4,936a month
Down payment
$27,985
Cash to close
$44,776
Rate
7.18%
Mortgage insurance
PMI · $266
Conventional, 20% down, no PMI$4,101a month
Down payment
$111,940
Cash to close
$128,731
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,619a month
Down payment
$83,955
Cash to close
$100,746
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Farmingdale
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,039
$19,590
$549,562
7.18%
FHA MIP · $248
$36,381
580
Conventional, 5% down
$4,936
$27,985
$531,715
7.18%
PMI · $266
$44,776
620*
Conventional, 20% down, no PMI
$4,101
$111,940
$447,760
7.18%
None
$128,731
620*
ITIN, 15% down (example)
$4,619
$83,955
$475,745
8.18%
None
$100,746
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 Farmingdale is $2,520 a month: 12% above the county. In Farmingdale, 56% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Nassau County (Fiscal year 2027)
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 Farmingdale
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Farmingdale is in ZIP code 11735.
For 2 bedrooms it is $2,700: $11 more than the fair market rent for Nassau County ($2,689).
Fair market rent by ZIP code and size in Farmingdale, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
11735
$1,970
$2,290
$2,700
$3,470
$3,690
ZIP code2 bd3 bd
11735 $2,700$3,470
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Farmingdale 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Farmingdale or Nassau County. The ones below are statewide in New York: they work in Farmingdale 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 Farmingdale or Nassau 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 Farmingdale 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 Farmingdale?
The typical home value in Farmingdale is $559,700, 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 Farmingdale?
Typical rent in Farmingdale is $2,520 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 Farmingdale?
Farmingdale 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 Farmingdale?
The typical homeowner in Farmingdale pays $10,001 a year, according to the U.S. Census Bureau. That is 1.79% of the home’s value; in Nassau County, the rate is 1.46%.
Where can I find free help to buy or rent in Farmingdale?
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.
