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City · 21,138 residents · Suffolk County, New York

North Amityville , New York

In North Amityville, a typical home is worth $466,500 and typical rent is $2,467 a month. Compared with all of Suffolk County, the typical home value is 19% lower, typical rent is 9% higher, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $466,500

    19% below the county

    10% above New York

    • North Amityville
    • Suffolk
    • New York

  • Typical rent

    $2,467a month

    9% above the county

    52% above New York

    • North Amityville
    • Suffolk
    • New York

  • Typical household income

    $136,654a year

    5% above the county

    59% above New York

    • North Amityville
    • Suffolk
    • New York

  • Households that own their home

    64%

    19 points below the county

    9 points above New York

    • North Amityville
    • Suffolk
    • New York

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

North Amityville 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 North Amityville apart

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

  1. 64% of households in North Amityville own their home, against 82% in Suffolk County.

  2. The typical home in North Amityville is worth $466,500, 19% less than in Suffolk County as a whole ($578,400).

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

The homes here

Housing in North Amityville

What homes there are in North Amityville, 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 North Amityville, 6 in 10 homes are single-family detached houses; in Suffolk County, 8.

Year built

Homes in North Amityville are newer: the typical year built is 1975; in Suffolk County, 1970.

There are fewer big homes in North Amityville than in Suffolk County: 61% 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

$3,104 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,209 a month

Suffolk County: $1,478 a month

Owners with a mortgage

72%

Suffolk County: 62%

Owning costs less in North Amityville: with a mortgage, the typical cost is $3,104 a month; in Suffolk County, $3,320. Without one, $1,209.

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, the typical home value in North Amityville rose 49%; in Suffolk County, it rose 46%.

Since 2015–2019, the typical rent in North Amityville rose 60%, more than in Suffolk County (29%).

The typical household income in North Amityville rose 81%: more than home values (+49%) and rent (+60%).

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

MeasureNorth AmityvilleSuffolk 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 9.8%2.8%5.3%3.4%
People per household 3.782.932.492.53
Drive alone 68%72%49%69%
Carpool 11%8%6%9%
Public transit 6%5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 8%12%15%15%
Other means 6%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in North Amityville: 9.8% have more than one person per room; in Suffolk County, 2.8%.

More people live in each home here: 3.78 on average, against 2.93 in Suffolk County.

In North Amityville, 11% of workers share a car to get to work; in Suffolk County, 8%.

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 North Amityville?

A typical home costs more than the typical income allows

We start with a typical home in North Amityville, worth $466,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in North Amityville, which is $136,654 a year. For that payment to be 28% of income, a household would need to earn about $185,146 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 North Amityville. 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 $16,328 (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

$4,320

at 7.18% · 30 years

Loan amount
$458,050
Total interest
$659,027
Paid off in
November 2056

Includes $7,878 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,189 a month

  • Tight

    $3,189 to $4,100 a month

  • Hard

    more than $4,100 a month

    Your payment · 38%

Compared with the typical household income in North Amityville ($136,654 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,320
Principal & interest$3,103
Property tax$816
Home insurance$194
FHA mortgage insurance (MIP)$206

You need at least $16,328 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

North Amityville and Suffolk County

North Amityville 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).

North Amityville's own numbers

Typical home value
$466,500
Typical monthly rent
$2,467
Typical yearly household income
$136,654
Households that own their home
64%
Effective property tax rate
2.1%

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 North Amityville

A typical home in North Amityville is worth $466,500: 19% below the county and 10% above New York. With the typical household income in North Amityville ($136,654 a year), a typical home costs 3.4 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.

  • North Amityville 3.4 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

North Amityville 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
  • North Amityville $466,500
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • North Amityville $2,467
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • North Amityville $136,654
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
North Amityville next to Suffolk County and New York
Measure North Amityville Suffolk County New York U.S.
Typical home value $466,500 $578,400 $423,800 $332,700
Typical monthly rent $2,467 $2,255 $1,621 $1,413
Typical yearly household income $136,654 $130,686 $85,974 $80,734
Households that own their home 64% 82% 54% 65%
Typical yearly property tax $9,777 $10,001 $6,582 $3,119
Effective property tax rate 2.1% 1.73% 1.55% 0.94%
Renters with high rent for their income 46% 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 North Amityville

For a typical $466,500 home in North Amityville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Amityville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,320a month

    Least cash to close
    Down payment
    $16,328
    Cash to close
    $30,323
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $206

  • Conventional, 5% down $4,235a month

    Down payment
    $23,325
    Cash to close
    $37,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $222

  • Conventional, 20% down, no PMI $3,539a month

    Down payment
    $93,300
    Cash to close
    $107,295
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,970a month

    Down payment
    $69,975
    Cash to close
    $83,970
    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 North Amityville and for Suffolk County.

Property tax

Effective rate in North Amityville

2.1%of the home’s value each year

$9,777 a year for the typical owner in North Amityville.

  • North Amityville 2.1%
  • 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 North Amityville

Typical rent in North Amityville is $2,467 a month: 9% above the county. In North Amityville, 46% 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 North Amityville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Amityville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,480 in 11726 to $2,680 in 11701.

None is above the fair market rent for Suffolk County ($2,689).

  • 11701 $2,680$3,450
  • 11726 $2,480$3,210

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Amityville 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 North Amityville

HUD lists one building with rents for lower incomes in North Amityville.

  • Andpress Plaza 24 Andpress Plz, North Amityville 11701 51 homes, 50 low-income · For families

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

Free help

Help to buy or rent in North Amityville

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 man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in North Amityville

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

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

Housing counselors near North Amityville

The HUD-approved agencies closest to the center of North Amityville, 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 · 5 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 · 5 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 · 10 miles away · Spanish

    • Reverse mortgage counseling
    516-485-3425-2325

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near North Amityville

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 North Amityville

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

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about North Amityville

Short answers with the numbers for North Amityville 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 North Amityville?

The typical home value in North Amityville is $466,500, 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 North Amityville?

Typical rent in North Amityville is $2,467 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 North Amityville?

North Amityville 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 North Amityville?

The typical homeowner in North Amityville pays $9,777 a year, according to the U.S. Census Bureau. That is 2.1% of the home’s value; in Suffolk County, the rate is 1.73%.

Where can I find free help to buy or rent in North Amityville?

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).