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City · 16,516 residents · Suffolk County, New York

Kings Park , New York

In Kings Park, a typical home is worth $619,000 and typical rent is $1,927 a month. Compared with all of Suffolk County, typical rent is 15% lower and typical household income is 7% lower.

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  • Typical home value

    $619,000

    7% above the county

    46% above New York

    • Kings Park
    • Suffolk
    • New York

  • Typical rent

    $1,927a month

    15% below the county

    19% above New York

    • Kings Park
    • Suffolk
    • New York

  • Typical household income

    $121,136a year

    7% below the county

    41% above New York

    • Kings Park
    • Suffolk
    • New York

  • Households that own their home

    83%

    1 points above the county

    29 points above New York

    • Kings Park
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$759,010
6.8% more than 12 months ago

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

Kings Park 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 Kings Park

What homes there are in Kings Park, 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

As in Suffolk County, most homes in Kings Park are detached houses (82%).

Year built

By age, homes in Kings Park look like those in Suffolk County: the typical year built is 1967.

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

$3,399 a month

Suffolk County: $3,320 a month

Owners with a mortgage

57%

Suffolk County: 62%

In Kings Park, 57% of owners have a mortgage; their typical cost is $3,399 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 Census does not compare Kings Park with 2015–2019 because its boundaries changed. In Suffolk County, over that time, 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

MeasureKings ParkSuffolk 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 2.562.932.492.53
Drive alone 74%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit 8%5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 13%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Kings Park has 2.56 people, fewer than in Suffolk County (2.93).

More people ride a bus or train to work in Kings Park than in Suffolk County: 8% against 5%.

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 Kings Park?

A typical home costs more than the typical income allows

We start with a typical home in Kings Park, worth $619,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Kings Park, which is $121,136 a year. For that payment to be 28% of income, a household would need to earn about $235,059 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 Kings Park. 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 $21,665 (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

$5,485

at 7.18% · 30 years

Loan amount
$607,788
Total interest
$874,465
Paid off in
November 2056

Includes $10,453 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,827 a month

  • Tight

    $2,827 to $3,634 a month

  • Hard

    more than $3,634 a month

    Your payment · 54%

Compared with the typical household income in Kings Park ($121,136 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,485
Principal & interest$4,117
Property tax$836
Home insurance$258
FHA mortgage insurance (MIP)$274

You need at least $21,665 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

Kings Park and Suffolk County

Kings Park 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).

Kings Park's own numbers

Typical home value
$619,000
Typical monthly rent
$1,927
Typical yearly household income
$121,136
Households that own their home
83%
Effective property tax rate
1.62%

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 Kings Park

A typical home in Kings Park is worth $619,000: 7% above the county and 46% above New York. With the typical household income in Kings Park ($121,136 a year), a typical home costs 5.1 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.

  • Kings Park 5.1 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

Kings Park 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
  • Kings Park $619,000
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Kings Park $1,927
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Kings Park $121,136
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Kings Park next to Suffolk County and New York
Measure Kings Park Suffolk County New York U.S.
Typical home value $619,000 $578,400 $423,800 $332,700
Typical monthly rent $1,927 $2,255 $1,621 $1,413
Typical yearly household income $121,136 $130,686 $85,974 $80,734
Households that own their home 83% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.62% 1.73% 1.55% 0.94%
Renters with high rent for their income 64% 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 Kings Park

For a typical $619,000 home in Kings Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kings Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,485a month

    Least cash to close
    Down payment
    $21,665
    Cash to close
    $40,235
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $274

  • Conventional, 5% down $5,371a month

    Down payment
    $30,950
    Cash to close
    $49,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $294

  • Conventional, 20% down, no PMI $4,448a month

    Down payment
    $123,800
    Cash to close
    $142,370
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,020a month

    Down payment
    $92,850
    Cash to close
    $111,420
    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 Kings Park and for Suffolk County.

Property tax

Effective rate in Kings Park

1.62%of the home’s value each year

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

  • Kings Park 1.62%
  • 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 Kings Park

Typical rent in Kings Park is $1,927 a month: 15% below the county. In Kings Park, 64% 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 Kings Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kings Park is in ZIP code 11754.

For 2 bedrooms it is $2,480: $209 less than the fair market rent for Suffolk County ($2,689).

  • 11754 $2,480$3,210

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

HUD lists one building with rents for lower incomes in Kings Park.

  • Martin Luther Terrace Apartments 1 Wartburg Dr, Kings Park 11754 115 homes, 114 low-income · For older adults

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

Free help

Help to buy or rent in Kings Park

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Kings Park

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

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

Housing counselors near Kings Park

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

  • Housing Help, Incorporated

    147 Matinecock Ct, East Northport · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (631) 754-0373

  • Long Island Housing Partnership, Inc.

    180 Oser Ave, Hauppauge · 5 miles away

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

  • The Safeguard Group - Housing & Debt Advisors

    67 Fort Salonga Rd, Northport · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (800) 673-6993

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near Kings Park

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 Kings Park

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

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Kings Park

Short answers with the numbers for Kings Park 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 Kings Park?

The typical home value in Kings Park is $619,000, 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 Kings Park?

Typical rent in Kings Park is $1,927 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 Kings Park?

Kings Park 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 Kings Park?

The typical homeowner in Kings Park pays $10,001 a year, according to the U.S. Census Bureau. That is 1.62% of the home’s value; in Suffolk County, the rate is 1.73%.

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

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).