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City · 20,282 residents · Suffolk County, New York

North Bay Shore , New York

In North Bay Shore, a typical home is worth $497,600 and typical rent is $1,597 a month. Compared with all of Suffolk County, typical rent is 29% lower and the typical home value is 14% lower.

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  • Typical home value

    $497,600

    14% below the county

    17% above New York

    • North Bay Shore
    • Suffolk
    • New York

  • Typical rent

    $1,597a month

    29% below the county

    About the same as New York

    • North Bay Shore
    • Suffolk
    • New York

  • Typical household income

    $141,915a year

    9% above the county

    65% above New York

    • North Bay Shore
    • Suffolk
    • New York

  • Households that own their home

    84%

    2 points above the county

    29 points above New York

    • North Bay Shore
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$629,854
4.7% more than 12 months ago

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

North Bay Shore 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 Bay Shore apart

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

  1. The typical rent in North Bay Shore is $1,597 a month, 29% less than in Suffolk County as a whole ($2,255).

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

The homes here

Housing in North Bay Shore

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

Year built

In North Bay Shore, half of the homes were built before 1967; in Suffolk County, before 1970.

There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 73% in Suffolk County.

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

$2,866 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,313 a month

Suffolk County: $1,478 a month

Owners with a mortgage

78%

Suffolk County: 62%

The typical cost for an owner with a mortgage in North Bay Shore is $2,866 a month, less than in Suffolk County ($3,320); without one, $1,313.

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 Bay Shore rose 67%; in Suffolk County, it rose 46%.

The typical rent in North Bay Shore stayed about the same over that time: the difference is within the Census margin of error.

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 Bay ShoreSuffolk 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 15.2%2.8%5.3%3.4%
People per household 4.462.932.492.53
Drive alone 69%72%49%69%
Carpool 16%8%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 2%12%15%15%
Other means 8%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 Bay Shore: 15.2% have more than one person per room; in Suffolk County, 2.8%.

More people live in each home here: 4.46 on average, against 2.93 in Suffolk County.

More people carpool to work in North Bay Shore than in Suffolk County: 16% against 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 Bay Shore?

A typical home costs more than the typical income allows

We start with a typical home in North Bay Shore, worth $497,600, 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 Bay Shore, which is $141,915 a year. For that payment to be 28% of income, a household would need to earn about $190,380 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 Bay Shore. 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 $17,416 (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

$4,442

at 7.18% · 30 years

Loan amount
$488,587
Total interest
$702,962
Paid off in
November 2056

Includes $8,403 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,311 a month

  • Tight

    $3,311 to $4,257 a month

  • Hard

    more than $4,257 a month

    Your payment · 38%

Compared with the typical household income in North Bay Shore ($141,915 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,442
Principal & interest$3,310
Property tax$705
Home insurance$207
FHA mortgage insurance (MIP)$220

You need at least $17,416 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 Bay Shore and Suffolk County

North Bay Shore 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 Bay Shore's own numbers

Typical home value
$497,600
Typical monthly rent
$1,597
Typical yearly household income
$141,915
Households that own their home
84%
Effective property tax rate
1.7%

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 Bay Shore

A typical home in North Bay Shore is worth $497,600: 14% below the county and 17% above New York. With the typical household income in North Bay Shore ($141,915 a year), a typical home costs 3.5 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.

  • North Bay Shore 3.5 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

North Bay Shore 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 Bay Shore $497,600
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • North Bay Shore $1,597
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • North Bay Shore $141,915
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
North Bay Shore next to Suffolk County and New York
Measure North Bay Shore Suffolk County New York U.S.
Typical home value $497,600 $578,400 $423,800 $332,700
Typical monthly rent $1,597 $2,255 $1,621 $1,413
Typical yearly household income $141,915 $130,686 $85,974 $80,734
Households that own their home 84% 82% 54% 65%
Typical yearly property tax $8,478 $10,001 $6,582 $3,119
Effective property tax rate 1.7% 1.73% 1.55% 0.94%
Renters with high rent for their income 41% 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 Bay Shore

For a typical $497,600 home in North Bay Shore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Bay Shore's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,442a month

    Least cash to close
    Down payment
    $17,416
    Cash to close
    $32,344
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $220

  • Conventional, 5% down $4,351a month

    Down payment
    $24,880
    Cash to close
    $39,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $236

  • Conventional, 20% down, no PMI $3,609a month

    Down payment
    $99,520
    Cash to close
    $114,448
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,069a month

    Down payment
    $74,640
    Cash to close
    $89,568
    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 Bay Shore and for Suffolk County.

Property tax

Effective rate in North Bay Shore

1.7%of the home’s value each year

$8,478 a year for the typical owner in North Bay Shore.

  • North Bay Shore 1.7%
  • 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 Bay Shore

Typical rent in North Bay Shore is $1,597 a month: 29% below the county. In North Bay Shore, 41% 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 Bay Shore

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Bay Shore is in ZIP code 11706.

For 2 bedrooms it is $2,480: $209 less than the fair market rent for Suffolk County ($2,689).

  • 11706 $2,480$3,210

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

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 Bay Shore

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

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

Housing counselors near North Bay Shore

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

  • Central Islip Civic Council, Inc.

    68 Wheeler Rd, Central Islip · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (631) 348-0669

  • Long Island Housing Partnership, Inc.

    180 Oser Ave, Hauppauge · 4 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (631) 435-4710

  • Housing Help, Incorporated

    147 Matinecock Ct, East Northport · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (631) 754-0373

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near North Bay Shore

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 Bay Shore

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

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about North Bay Shore

Short answers with the numbers for North Bay Shore 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 Bay Shore?

The typical home value in North Bay Shore is $497,600, 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 Bay Shore?

Typical rent in North Bay Shore is $1,597 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 Bay Shore?

North Bay Shore 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 Bay Shore?

The typical homeowner in North Bay Shore pays $8,478 a year, according to the U.S. Census Bureau. That is 1.7% 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 Bay Shore?

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).