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City · 16,963 residents · Nassau County, New York

Massapequa Park , New York

In Massapequa Park, a typical home is worth $642,600 and typical rent is $3,469 a month. Compared with all of Nassau County, typical rent is 54% higher, typical household income is 18% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $642,600

    6% below the county

    52% above New York

    • Massapequa Park
    • Nassau
    • New York

  • Typical rent

    $3,469a month

    54% above the county

    114% above New York

    • Massapequa Park
    • Nassau
    • New York

  • Typical household income

    $171,953a year

    18% above the county

    100% above New York

    • Massapequa Park
    • Nassau
    • New York

  • Households that own their home

    98%

    16 points above the county

    44 points above New York

    • Massapequa Park
    • Nassau
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$811,599
7% more than 12 months ago

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

Massapequa Park 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Massapequa Park apart

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

  1. Massapequa Park has the 4th highest homeownership rate of the 347 cities in New York with more than 5,000 people (98%).

  2. The typical rent in Massapequa Park is $3,469 a month, 54% more than in Nassau County as a whole ($2,252).

  3. Nearby, in Amityville, the typical rent is $2,247: 35% less than in Massapequa Park ($3,469).

  4. Nearby, in North Amityville, the typical home value is $466,500: 27% less than in Massapequa Park ($642,600).

  5. The typical household income in Massapequa Park is $171,953, 18% more than in Nassau County as a whole ($146,202).

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

The homes here

Housing in Massapequa Park

What homes there are in Massapequa 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

Detached houses, standing on their own, make up 95% of homes here, against 76% in Nassau County.

Year built

By age, homes in Massapequa Park look like those in Nassau County: the typical year built is 1956.

In Massapequa Park, 94% of homes have 3 bedrooms or more, more than in Nassau County (75%).

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

$3,659 a month

Nassau County: $3,795 a month

Owners with a mortgage

58%

Nassau County: 62%

The typical cost for an owner with a mortgage in Massapequa Park is $3,659 a month, near the figure in Nassau County ($3,795).

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

From 2015–2019 to 2020–2024, home values in Massapequa Park rose at about the same pace as in Nassau County: 36% against 39%.

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

MeasureMassapequa ParkNassau CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.4%5.3%3.4%
People per household 2.832.992.492.53
Drive alone 69%61%49%69%
Carpool 6%7%6%9%
Public transit 9%13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 14%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Massapequa Park are smaller: 2.83 people on average; in Nassau County, 2.99.

In Massapequa Park, 69% of workers drive alone to work; in Nassau County, 61%.

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 Massapequa Park?

A typical home costs more than the typical income allows

We start with a typical home in Massapequa Park, worth $642,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Massapequa Park, which is $171,953 a year. For that payment to be 28% of income, a household would need to earn about $242,644 a year.

The calculator's FHA and conventional loan limits are those of all of Nassau County.

Your numbers

Local data
$

Starts at the typical home value in Massapequa 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 $22,491 (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

$5,662

at 7.18% · 30 years

Loan amount
$630,961
Total interest
$907,805
Paid off in
November 2056

Includes $10,852 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,012 a month

  • Tight

    $4,012 to $5,159 a month

  • Hard

    more than $5,159 a month

    Your payment · 40%

Compared with the typical household income in Massapequa Park ($171,953 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,662
Principal & interest$4,274
Property tax$835
Home insurance$268
FHA mortgage insurance (MIP)$284

You need at least $22,491 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

Massapequa Park and Nassau County

Massapequa Park 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).

Massapequa Park's own numbers

Typical home value
$642,600
Typical monthly rent
$3,469
Typical yearly household income
$171,953
Households that own their home
98%
Effective property tax rate
1.56%

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.

Everything about Nassau County

Buying

Buying a home in Massapequa Park

A typical home in Massapequa Park is worth $642,600: 6% below the county and 52% above New York. With the typical household income in Massapequa Park ($171,953 a year), a typical home costs 3.7 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.

  • Massapequa Park 3.7 years
  • Nassau 4.7 years
  • New York 4.9 years
  • United States 4.1 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.

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

Massapequa Park 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
  • Massapequa Park $642,600
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Massapequa Park $3,469
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Massapequa Park $171,953
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
Massapequa Park next to Nassau County and New York
Measure Massapequa Park Nassau County New York U.S.
Typical home value $642,600 $684,700 $423,800 $332,700
Typical monthly rent $3,469 $2,252 $1,621 $1,413
Typical yearly household income $171,953 $146,202 $85,974 $80,734
Households that own their home 98% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.56% 1.46% 1.55% 0.94%

“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 Massapequa Park

For a typical $642,600 home in Massapequa Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Massapequa Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,662a month

    Least cash to close
    Down payment
    $22,491
    Cash to close
    $41,769
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $284

  • Conventional, 5% down $5,544a month

    Down payment
    $32,130
    Cash to close
    $51,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $305

  • Conventional, 20% down, no PMI $4,586a month

    Down payment
    $128,520
    Cash to close
    $147,798
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,180a month

    Down payment
    $96,390
    Cash to close
    $115,668
    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 Massapequa Park and for Nassau County.

Property tax

Effective rate in Massapequa Park

1.56%of the home’s value each year

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

  • Massapequa Park 1.56%
  • Nassau 1.46%
  • 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 Nassau County

FEMA does not publish these numbers by city: they are for all of Nassau County.

Homes in the high-risk zone
9.6%
35,643
Of those, with NFIP insurance
76%
County New York U.S.
Homes in the high-risk zone 9.6% 2% 3.5%
Of those, with NFIP insurance 76% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Massapequa Park

Typical rent in Massapequa Park is $3,469 a month: 54% above the county.

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.

HUD fair market rent for all of Nassau 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 Massapequa Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Massapequa Park is in ZIP code 11762.

For 2 bedrooms it is $2,800: $111 more than the fair market rent for Nassau County ($2,689).

  • 11762 $2,800$3,630

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

Free help

Help to buy or rent in Massapequa 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 3 HUD-approved agencies with an office in Nassau County; 2 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 Massapequa Park

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

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

Housing counselors near Massapequa Park

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

  • American Debt Resources

    105 Maxess Rd Ste 124, Melville · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (800) 498-0766

  • COMMUNITY DEVELOPMENT CORPORATION OF LONG ISLAND dba Community Development Long Island

    1660 Walt Whitman Rd Ste 130, Melville · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (631) 471-1215

  • Family and Children's Association

    377 Oak St, Garden City · 9 miles away · Spanish

    • Reverse mortgage counseling
    516-485-3425-2325

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near Massapequa Park

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 Massapequa Park

In HUD’s record, no housing authority with an office in Nassau County is named for Massapequa Park or Nassau County.

11 other authorities have an office in Nassau County: see the list Source: HUD

Cities

Other cities in Nassau County

These cities are also in Nassau County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Nassau County Housing in New York
See 57 more cities in Nassau County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Massapequa Park, with the typical home value.

Neighboring counties

If Nassau 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 Massapequa Park.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Massapequa Park

Short answers with the numbers for Massapequa Park 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 Massapequa Park?

The typical home value in Massapequa Park is $642,600, 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 Massapequa Park?

Typical rent in Massapequa Park is $3,469 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 Massapequa Park?

Massapequa Park 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 Massapequa Park?

The typical homeowner in Massapequa Park pays $10,001 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Nassau County, the rate is 1.46%.

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

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.

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).