In Mineola, a typical home is worth $651,200 and typical rent is $2,415 a month. Compared with all of Nassau County, typical rent is 7% higher, typical household income is 6% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $619,324 to $834,304.
Typical rent
$3,886a month
▲ 4.9% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $3,324 to $3,886.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mineola 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
68% of households in Mineola own their home, against 82% in Nassau County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mineola
What homes there are in Mineola, 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
Mineola
Nassau County
New York
United States
Kind of home: Mineola and its comparisons
Measure
Mineola
Nassau County
New York
United States
Detached house
55%
76%
41%
61%
Attached house
Unreliable estimate
3%
6%
6%
Building of 2 to 4
12%
8%
17%
8%
Apartments (5 or more)
Unreliable estimate
13%
35%
19%
Mobile home
Unreliable estimate
0%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Mineola, 5 in 10 homes are single-family detached houses; in Nassau County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Mineola
Nassau County
New York
United States
Year built: Mineola and its comparisons
Measure
Mineola
Nassau County
New York
United States
Before 1960
67%
66%
52%
26%
1960–1979
17%
19%
22%
24%
1980–1999
3%
7%
14%
25%
2000–2009
2%
3%
6%
14%
2010 or later
11%
4%
6%
11%
The typical year built in Mineola is 1954, about the same as in Nassau County (1955).
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–$300K5%
$300K–$500K20%
$500K–$750K37%
$750K–$1M33%
$1M or moreUnreliable
Value of owner-occupied homes: Mineola and its comparisons
Measure
Mineola
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
5%
$300K–$500K
20%
$500K–$750K
37%
$750K–$1M
33%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99917%
$2,000–$2,49917%
$2,500–$2,999Unreliable
$3,000 or more38%
Monthly rent with utilities: Mineola and its comparisons
Measure
Mineola
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
17%
$2,000–$2,499
17%
$2,500–$2,999
Unreliable estimate
$3,000 or more
38%
With a mortgage
$3,575 a month
Nassau County: $3,795 a month
Without a mortgage
$1,430 a month
Nassau County: $1,500 or more a month
Owners with a mortgage
62%
Nassau County: 62%
Owning costs less in Mineola: with a mortgage, the typical cost is $3,575 a month; in Nassau County, $3,795. Without one, $1,430.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mineola+27%
Nassau County+39%
New York+35%
United States+53%
Typical rent
Mineola+37%
Nassau County+27%
New York+27%
United States+33%
Typical household income
Mineola+37%
Nassau County+26%
New York+26%
United States+29%
Change since 2015–2019: Mineola and its comparisons
Measure
Mineola
Nassau County
New York
United States
Typical home value
+27%
+39%
+35%
+53%
Typical rent
+37%
+27%
+27%
+33%
Typical household income
+37%
+26%
+26%
+29%
Homes in Mineola gained value more slowly than in Nassau County: 27% since 2015–2019, against 39%.
The typical rent in Mineola rose 37% over the same time; in Nassau County, it rose 27%.
While home values in Mineola changed +27% and rent +37%, the typical household income rose 37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mineola and its comparisons
Measure
Mineola
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
2.47
2.99
2.49
2.53
Drive alone
56%
61%
49%
69%
Carpool
8%
7%
6%
9%
Public transit
14%
13%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
19%
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
Households in Mineola are smaller: 2.47 people on average; in Nassau County, 2.99.
Many people here do not commute at all: 19% work from home; in Nassau County, 16%.
Do the math
What would you pay each month for a home in Mineola?
A typical home costs more than the typical income allows
We start with a typical home in Mineola, worth $651,200, 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 Mineola, which is $137,739 a year. For that payment to be 28% of income, a household would need to earn about $245,426 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 Mineola. 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 $22,792 (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
$5,727
at 7.18% · 30 years
Loan amount
$639,405
Total interest
$919,954
Paid off in
November 2056
Includes $10,997 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,214 a month
Tight
$3,214 to $4,132 a month
Hard
more than $4,132 a month
Your payment · 50%
Compared with the typical household income in Mineola ($137,739 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,332
Property tax
$836
Home insurance
$271
FHA mortgage insurance (MIP)
$288
You need at least $22,792 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 $5,727; principal and interest $4,332.
The city and its county
Mineola and Nassau County
Mineola 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).
Mineola
Map of Nassau County, New York, with Mineola marked. Around it, the neighboring counties.
Mineola
Nassau County
Other cities with a page
Mineola's own numbers
Typical home value
$651,200
Typical monthly rent
$2,415
Typical yearly household income
$137,739
Households that own their home
68%
Effective property tax rate
1.54%
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 Mineola is worth $651,200: 5% below the county and 54% above New York. With the typical household income in Mineola ($137,739 a year), a typical home costs 4.7 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.
Mineola4.7 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
Mineola 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
Mineola$651,200
Nassau$684,700
New York$423,800
United States$332,700
Typical monthly rent
Mineola$2,415
Nassau$2,252
New York$1,621
United States$1,413
Typical yearly household income
Mineola$137,739
Nassau$146,202
New York$85,974
United States$80,734
See the full table
Mineola next to Nassau County and New York
Measure
Mineola
Nassau County
New York
U.S.
Typical home value
$651,200 ▼5% below the county
$684,700
$423,800
$332,700
Typical monthly rent
$2,415 ▲7% above the county
$2,252
$1,621
$1,413
Typical yearly household income
$137,739 ▼6% below the county
$146,202
$85,974
$80,734
Households that own their home
68% ▼14 points below the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.54% ▲0.08 points above the county
1.46%
1.55%
0.94%
Renters with high rent for their income
45% ▼10 points below 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 Mineola
For a typical $651,200 home in Mineola, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mineola's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,727a month
Least cash to close
Down payment
$22,792
Cash to close
$42,328
Rate
7.18%
Mortgage insurance
FHA MIP · $288
Conventional, 5% down$5,607a month
Down payment
$32,560
Cash to close
$52,096
Rate
7.18%
Mortgage insurance
PMI · $309
Conventional, 20% down, no PMI$4,636a month
Down payment
$130,240
Cash to close
$149,776
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,238a month
Down payment
$97,680
Cash to close
$117,216
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mineola
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,727
$22,792
$639,405
7.18%
FHA MIP · $288
$42,328
580
Conventional, 5% down
$5,607
$32,560
$618,640
7.18%
PMI · $309
$52,096
620*
Conventional, 20% down, no PMI
$4,636
$130,240
$520,960
7.18%
None
$149,776
620*
ITIN, 15% down (example)
$5,238
$97,680
$553,520
8.18%
None
$117,216
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 Mineola is $2,415 a month: 7% above the county. In Mineola, 45% 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 Mineola
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mineola is in ZIP code 11501.
For 2 bedrooms it is $2,740: $51 more than the fair market rent for Nassau County ($2,689).
Fair market rent by ZIP code and size in Mineola, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
11501
$2,000
$2,330
$2,740
$3,520
$3,740
ZIP code2 bd3 bd
11501 $2,740$3,520
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mineola 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 Mineola or Nassau County. The ones below are statewide in New York: they work in Mineola 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 Mineola 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 Mineola 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 Mineola?
The typical home value in Mineola is $651,200, 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 Mineola?
Typical rent in Mineola is $2,415 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 Mineola?
Mineola 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 Mineola?
The typical homeowner in Mineola pays $10,001 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Nassau County, the rate is 1.46%.
Where can I find free help to buy or rent in Mineola?
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.
