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City · 11,027 residents · Suffolk County, New York

Middle Island , New York

In Middle Island, a typical home is worth $383,500 and typical rent is $1,868 a month. Compared with all of Suffolk County, typical household income is 35% lower, the typical home value is 34% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $383,500

    34% below the county

    10% below New York

    • Middle Island
    • Suffolk
    • New York

  • Typical rent

    $1,868a month

    17% below the county

    15% above New York

    • Middle Island
    • Suffolk
    • New York

  • Typical household income

    $85,480a year

    35% below the county

    About the same as New York

    • Middle Island
    • Suffolk
    • New York

  • Households that own their home

    69%

    13 points below the county

    15 points above New York

    • Middle Island
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$508,495
4.4% more than 12 months ago

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

Middle Island 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 Middle Island apart

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

  1. Nearby, in Miller Place, the typical rent is $1,172: 37% less than in Middle Island ($1,868).

  2. The typical household income in Middle Island is $85,480, 35% less than in Suffolk County as a whole ($130,686).

  3. The typical home in Middle Island is worth $383,500, 34% less than in Suffolk County as a whole ($578,400).

  4. 69% of households in Middle Island own their home, against 82% in Suffolk County.

  5. The typical rent in Middle Island is $1,868 a month, 17% less than in Suffolk County as a whole ($2,255).

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

The homes here

Housing in Middle Island

What homes there are in Middle Island, 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

Homes in Middle Island are varied: detached houses are the largest group, at 46%, against 80% in Suffolk County.

Year built

Homes in Middle Island are newer: the typical year built is 1979; in Suffolk County, 1970.

There are fewer big homes in Middle Island than in Suffolk County: 46% have 3 bedrooms or more, against 73%.

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

$2,722 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,251 a month

Suffolk County: $1,478 a month

Owners with a mortgage

65%

Suffolk County: 62%

The typical cost for an owner with a mortgage in Middle Island is $2,722 a month, less than in Suffolk County ($3,320); without one, $1,251.

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 Middle Island rose 40% since 2015–2019, less than in Suffolk County (46%).

Since 2015–2019, the typical rent in Middle Island did not change clearly, according to the Census.

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

MeasureMiddle IslandSuffolk 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 2.362.932.492.53
Drive alone 79%72%49%69%
Carpool 11%8%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home Unreliable estimate12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Middle Island are smaller: 2.36 people on average; in Suffolk County, 2.93.

Carpooling is common in Middle Island: 11% of workers get to work that way, against 8% in Suffolk County.

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 Middle Island?

A typical home costs more than the typical income allows

We start with a typical home in Middle Island, worth $383,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Middle Island, which is $85,480 a year. For that payment to be 28% of income, a household would need to earn about $152,068 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 Middle Island. 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 $13,423 (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

$3,548

at 7.18% · 30 years

Loan amount
$376,553
Total interest
$541,772
Paid off in
November 2056

Includes $6,476 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,995 a month

  • Tight

    $1,995 to $2,564 a month

  • Hard

    more than $2,564 a month

    Your payment · 50%

Compared with the typical household income in Middle Island ($85,480 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,548
Principal & interest$2,551
Property tax$668
Home insurance$160
FHA mortgage insurance (MIP)$170

You need at least $13,423 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

Middle Island and Suffolk County

Middle Island 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).

Middle Island's own numbers

Typical home value
$383,500
Typical monthly rent
$1,868
Typical yearly household income
$85,480
Households that own their home
69%
Effective property tax rate
2.09%

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 Middle Island

A typical home in Middle Island is worth $383,500: 34% below the county and 10% below New York. With the typical household income in Middle Island ($85,480 a year), a typical home costs 4.5 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.

  • Middle Island 4.5 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

Middle Island 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
  • Middle Island $383,500
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Middle Island $1,868
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Middle Island $85,480
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Middle Island next to Suffolk County and New York
Measure Middle Island Suffolk County New York U.S.
Typical home value $383,500 $578,400 $423,800 $332,700
Typical monthly rent $1,868 $2,255 $1,621 $1,413
Typical yearly household income $85,480 $130,686 $85,974 $80,734
Households that own their home 69% 82% 54% 65%
Typical yearly property tax $8,034 $10,001 $6,582 $3,119
Effective property tax rate 2.09% 1.73% 1.55% 0.94%
Renters with high rent for their income 69% 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 Middle Island

For a typical $383,500 home in Middle Island, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middle Island's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,548a month

    Least cash to close
    Down payment
    $13,423
    Cash to close
    $24,928
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $170

  • Conventional, 5% down $3,478a month

    Down payment
    $19,175
    Cash to close
    $30,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,906a month

    Down payment
    $76,700
    Cash to close
    $88,205
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,261a month

    Down payment
    $57,525
    Cash to close
    $69,030
    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 Middle Island and for Suffolk County.

Property tax

Effective rate in Middle Island

2.09%of the home’s value each year

$8,034 a year for the typical owner in Middle Island.

  • Middle Island 2.09%
  • 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 Middle Island

Typical rent in Middle Island is $1,868 a month: 17% below the county. In Middle Island, 69% 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 Middle Island

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middle Island is in ZIP code 11953.

For 2 bedrooms it is $2,510: $179 less than the fair market rent for Suffolk County ($2,689).

  • 11953 $2,510$3,230

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

HUD lists one building with rents for lower incomes in Middle Island.

  • Concern Middle Island 147 Rocky Point Rd, Middle Island 11953 110 low-income homes · Studio: 30 · 1 bd: 40 · 2 bd: 48 · 3 bd: 5 · In service since 2017

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

Free help

Help to buy or rent in Middle Island

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 Middle Island

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

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

Housing counselors near Middle Island

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

  • Community Housing Innovations, Inc.

    55 Medford Ave., Ste. B, Patchogue · 9 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 · 9 miles away

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

  • Long Island Housing Services, Incorporated

    640 Johnson Ave Ste 8, Bohemia · 11 miles away · Spanish

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

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near Middle Island

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 Middle Island

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

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Middle Island

Short answers with the numbers for Middle Island 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 Middle Island?

The typical home value in Middle Island is $383,500, 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 Middle Island?

Typical rent in Middle Island is $1,868 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 Middle Island?

Middle Island 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 Middle Island?

The typical homeowner in Middle Island pays $8,034 a year, according to the U.S. Census Bureau. That is 2.09% of the home’s value; in Suffolk County, the rate is 1.73%.

Where can I find free help to buy or rent in Middle Island?

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).