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City · 11,093 residents · Suffolk County, New York

Mount Sinai , New York

In Mount Sinai, a typical home is worth $661,200 and typical rent is $3,088 a month. Compared with all of Suffolk County, typical rent is 37% higher, typical household income is 24% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $661,200

    14% above the county

    56% above New York

    • Mount Sinai
    • Suffolk
    • New York

  • Typical rent

    $3,088a month

    37% above the county

    90% above New York

    • Mount Sinai
    • Suffolk
    • New York

  • Typical household income

    $162,188a year

    24% above the county

    89% above New York

    • Mount Sinai
    • Suffolk
    • New York

  • Households that own their home

    93%

    10 points above the county

    38 points above New York

    • Mount Sinai
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$770,270
6.5% more than 12 months ago

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

Mount Sinai 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 Mount Sinai 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: 62% less than in Mount Sinai ($3,088).

  2. Nearby, in Sound Beach, the typical home value is $428,700: 35% less than in Mount Sinai ($661,200).

  3. The typical rent in Mount Sinai is $3,088 a month, 37% more than in Suffolk County as a whole ($2,255).

  4. The typical household income in Mount Sinai is $162,188, 24% more than in Suffolk County as a whole ($130,686).

  5. 93% of households in Mount Sinai own their home, against 82% in Suffolk County.

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

The homes here

Housing in Mount Sinai

What homes there are in Mount Sinai, 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

In Mount Sinai, 8 in 10 homes are single-family detached houses, about the same as in Suffolk County.

Year built

Here half of the homes date from 1987 or later; in Suffolk County, from 1970 or later.

Much as in Suffolk County, 74% of homes in Mount Sinai have 3 bedrooms or more.

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

$3,344 a month

Suffolk County: $3,320 a month

Owners with a mortgage

59%

Suffolk County: 62%

In Mount Sinai, 59% of owners have a mortgage; their typical cost is $3,344 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

From 2015–2019 to 2020–2024, home values in Mount Sinai rose at about the same pace as in Suffolk County: 46% against 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

MeasureMount SinaiSuffolk 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 2.772.932.492.53
Drive alone 75%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 13%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Mount Sinai has 2.77 people, fewer than in Suffolk County (2.93).

The car rules in Mount Sinai: 75% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Mount Sinai?

A typical home costs more than the typical income allows

We start with a typical home in Mount Sinai, worth $661,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Mount Sinai, which is $162,188 a year. For that payment to be 28% of income, a household would need to earn about $248,487 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 Mount Sinai. 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 $23,142 (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

$5,798

at 7.18% · 30 years

Loan amount
$649,224
Total interest
$934,081
Paid off in
November 2056

Includes $11,166 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,784 a month

  • Tight

    $3,784 to $4,866 a month

  • Hard

    more than $4,866 a month

    Your payment · 43%

Compared with the typical household income in Mount Sinai ($162,188 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,798
Principal & interest$4,398
Property tax$832
Home insurance$276
FHA mortgage insurance (MIP)$292

You need at least $23,142 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

Mount Sinai and Suffolk County

Mount Sinai 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).

Mount Sinai's own numbers

Typical home value
$661,200
Typical monthly rent
$3,088
Typical yearly household income
$162,188
Households that own their home
93%
Effective property tax rate
1.51%

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 Mount Sinai

A typical home in Mount Sinai is worth $661,200: 14% above the county and 56% above New York. With the typical household income in Mount Sinai ($162,188 a year), a typical home costs 4.1 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.

  • Mount Sinai 4.1 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

Mount Sinai 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
  • Mount Sinai $661,200
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Mount Sinai $3,088
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Mount Sinai $162,188
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Mount Sinai next to Suffolk County and New York
Measure Mount Sinai Suffolk County New York U.S.
Typical home value $661,200 $578,400 $423,800 $332,700
Typical monthly rent $3,088 $2,255 $1,621 $1,413
Typical yearly household income $162,188 $130,686 $85,974 $80,734
Households that own their home 93% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.51% 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 Mount Sinai

For a typical $661,200 home in Mount Sinai, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Sinai's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,798a month

    Least cash to close
    Down payment
    $23,142
    Cash to close
    $42,978
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $292

  • Conventional, 5% down $5,677a month

    Down payment
    $33,060
    Cash to close
    $52,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $314

  • Conventional, 20% down, no PMI $4,691a month

    Down payment
    $132,240
    Cash to close
    $152,076
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,302a month

    Down payment
    $99,180
    Cash to close
    $119,016
    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 Mount Sinai and for Suffolk County.

Property tax

Effective rate in Mount Sinai

1.51%of the home’s value each year

$10,001 a year for the typical owner in Mount Sinai.

  • Mount Sinai 1.51%
  • 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 Mount Sinai

Typical rent in Mount Sinai is $3,088 a month: 37% 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 Mount Sinai

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Sinai is in ZIP code 11766.

For 2 bedrooms it is $3,850: $1,161 more than the fair market rent for Suffolk County ($2,689).

  • 11766 $3,850$4,950

A ZIP code counts for Mount Sinai 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 Mount Sinai

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Mount Sinai

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

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

Housing counselors near Mount Sinai

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

  • Long Island Housing Services, Incorporated

    640 Johnson Ave Ste 8, Bohemia · 12 miles away · Spanish

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

  • Community Housing Innovations, Inc.

    55 Medford Ave., Ste. B, Patchogue · 12 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 · 12 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 Mount Sinai

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 Mount Sinai

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

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

Questions

Housing questions about Mount Sinai

Short answers with the numbers for Mount Sinai 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 Mount Sinai?

The typical home value in Mount Sinai is $661,200, 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 Mount Sinai?

Typical rent in Mount Sinai is $3,088 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 Mount Sinai?

Mount Sinai 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 Mount Sinai?

The typical homeowner in Mount Sinai pays $10,001 a year, according to the U.S. Census Bureau. That is 1.51% of the home’s value; in Suffolk County, the rate is 1.73%.

Where can I find free help to buy or rent in Mount Sinai?

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).