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City · 15,706 residents · Suffolk County, New York

Hampton Bays , New York

In Hampton Bays, a typical home is worth $735,400 and typical rent is $2,392 a month. Compared with all of Suffolk County, the typical home value is 27% higher and typical rent is 6% higher.

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  • Typical home value

    $735,400

    27% above the county

    74% above New York

    • Hampton Bays
    • Suffolk
    • New York

  • Typical rent

    $2,392a month

    6% above the county

    48% above New York

    • Hampton Bays
    • Suffolk
    • New York

  • Typical household income

    $134,216a year

    3% above the county

    56% above New York

    • Hampton Bays
    • Suffolk
    • New York

  • Households that own their home

    82%

    About the same as the county

    28 points above New York

    • Hampton Bays
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$950,047
6.1% more than 12 months ago
Typical rent
$3,484 a month
9.5% more than 12 months ago

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

Hampton Bays 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 Hampton Bays apart

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

  1. Nearby, in Flanders, the typical home value is $419,600: 43% less than in Hampton Bays ($735,400).

  2. The typical home in Hampton Bays is worth $735,400, 27% more than in Suffolk County as a whole ($578,400).

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

The homes here

Housing in Hampton Bays

What homes there are in Hampton Bays, 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 houses, standing on their own, make up 90% of homes here, against 80% in Suffolk County.

Year built

The typical home in Hampton Bays was built in 1977, 7 years after the typical one in Suffolk County.

In Hampton Bays, 75% of homes have 3 bedrooms or more, about the same as 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

$3,285 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,273 a month

Suffolk County: $1,478 a month

Owners with a mortgage

54%

Suffolk County: 62%

In Hampton Bays, 54% of owners have a mortgage; their typical cost is $3,285 a month, about the same as in Suffolk County.

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 typical home value in Hampton Bays rose 50% since 2015–2019, more than in Suffolk County (46%).

The typical rent in Hampton Bays rose 35% over the same time; in Suffolk County, it rose 29%.

Here income gained ground: typical income rose 65%, against +50% for home values and +35% for rent.

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

MeasureHampton BaysSuffolk 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 2.582.932.492.53
Drive alone 70%72%49%69%
Carpool 10%8%6%9%
Public transit 6%5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 10%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: 2.58 on average, against 2.93 in Suffolk County.

To get to work, 70% of workers in Hampton Bays drive alone; 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 Hampton Bays?

A typical home costs more than the typical income allows

We start with a typical home in Hampton Bays, worth $735,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Hampton Bays, which is $134,216 a year. For that payment to be 28% of income, a household would need to earn about $267,179 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 Hampton Bays. 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 $25,739 (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

$6,234

at 7.18% · 30 years

Loan amount
$722,080
Total interest
$1,038,904
Paid off in
November 2056

Includes $12,419 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,132 a month

  • Tight

    $3,132 to $4,026 a month

  • Hard

    more than $4,026 a month

    Your payment · 56%

Compared with the typical household income in Hampton Bays ($134,216 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,234
Principal & interest$4,892
Property tax$711
Home insurance$306
FHA mortgage insurance (MIP)$325

You need at least $25,739 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

Hampton Bays and Suffolk County

Hampton Bays 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).

Hampton Bays's own numbers

Typical home value
$735,400
Typical monthly rent
$2,392
Typical yearly household income
$134,216
Households that own their home
82%
Effective property tax rate
1.16%

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 Hampton Bays

A typical home in Hampton Bays is worth $735,400: 27% above the county and 74% above New York. With the typical household income in Hampton Bays ($134,216 a year), a typical home costs 5.5 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.

  • Hampton Bays 5.5 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

Hampton Bays 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
  • Hampton Bays $735,400
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Hampton Bays $2,392
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Hampton Bays $134,216
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Hampton Bays next to Suffolk County and New York
Measure Hampton Bays Suffolk County New York U.S.
Typical home value $735,400 $578,400 $423,800 $332,700
Typical monthly rent $2,392 $2,255 $1,621 $1,413
Typical yearly household income $134,216 $130,686 $85,974 $80,734
Households that own their home 82% 82% 54% 65%
Typical yearly property tax $8,495 $10,001 $6,582 $3,119
Effective property tax rate 1.16% 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 Hampton Bays

For a typical $735,400 home in Hampton Bays, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hampton Bays's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,234a month

    Least cash to close
    Down payment
    $25,739
    Cash to close
    $47,801
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $325

  • Conventional, 5% down $6,099a month

    Down payment
    $36,770
    Cash to close
    $58,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $349

  • Conventional, 20% down, no PMI $5,003a month

    Down payment
    $147,080
    Cash to close
    $169,142
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,683a month

    Down payment
    $110,310
    Cash to close
    $132,372
    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 Hampton Bays and for Suffolk County.

Property tax

Effective rate in Hampton Bays

1.16%of the home’s value each year

$8,495 a year for the typical owner in Hampton Bays.

  • Hampton Bays 1.16%
  • 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 Hampton Bays

Typical rent in Hampton Bays is $2,392 a month: 6% above 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 Hampton Bays

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hampton Bays is in ZIP code 11946.

For 2 bedrooms it is $2,880: $191 more than the fair market rent for Suffolk County ($2,689).

  • 11946 $2,880$3,700

A ZIP code counts for Hampton Bays 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?

Low-income apartments

Low-income apartments in Hampton Bays

HUD lists 3 buildings with rents for lower incomes in Hampton Bays. These are the largest.

  • Bishop Ryan Village 10 Squiretown Rd, Hampton Bays 11946 75 homes, 74 low-income · For older adults
  • Hampton Bays Apartments 57 Springville Rd, Hampton Bays 11946 37 low-income homes · For older adults
  • Woodbridge at Hampton Bays 10 Springville Rd, Hampton Bays 11946 29 low-income homes · 1 bd: 22 · 2 bd: 7 · In service since 1998 · For older adults, people with disabilities

See all 114 buildings in Suffolk County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hampton Bays

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 man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Hampton Bays

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

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

Housing counselors near Hampton Bays

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

  • North Fork Housing Alliance, Incorporated

    116 South St, Greenport · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (631) 477-1070

  • Community Housing Innovations, Inc.

    55 Medford Ave., Ste. B, Patchogue · 26 miles away

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

  • Economic Opportunity Council of Suffolk, Inc.

    31 W Main St, Patchogue · 27 miles away

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

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near Hampton Bays

None 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 Hampton Bays

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

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Hampton Bays

Short answers with the numbers for Hampton Bays 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 Hampton Bays?

The typical home value in Hampton Bays is $735,400, 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 Hampton Bays?

Typical rent in Hampton Bays is $2,392 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 Hampton Bays?

Hampton Bays 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 Hampton Bays?

The typical homeowner in Hampton Bays pays $8,495 a year, according to the U.S. Census Bureau. That is 1.16% of the home’s value; in Suffolk County, the rate is 1.73%.

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

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).