In North Patchogue, a typical home is worth $450,600 and typical rent is $2,275 a month. Compared with all of Suffolk County, the typical home value is 22% lower, typical household income is 18% lower, and the share of households that own their home is 8 points higher.
North Patchogue 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Bayport, the typical rent is $1,866: 18% less than in North Patchogue ($2,275).
2
The typical home in North Patchogue is worth $450,600,22% less than in Suffolk County as a whole ($578,400).
3
The typical household income in North Patchogue is $107,695,18% less than in Suffolk County as a whole ($130,686).
4
90% of households in North Patchogue own their home, against 82% in Suffolk County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in North Patchogue
What homes there are in North Patchogue, 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
North Patchogue
Suffolk County
New York
United States
Kind of home: North Patchogue and its comparisons
Measure
North Patchogue
Suffolk County
New York
United States
Detached house
97%
80%
41%
61%
Attached house
Unreliable estimate
6%
6%
6%
Building of 2 to 4
Unreliable estimate
5%
17%
8%
Apartments (5 or more)
Unreliable estimate
8%
35%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in North Patchogue: 97% of homes, more than in Suffolk County (80%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
North Patchogue
Suffolk County
New York
United States
Year built: North Patchogue and its comparisons
Measure
North Patchogue
Suffolk County
New York
United States
Before 1960
47%
31%
52%
26%
1960–1979
36%
38%
22%
24%
1980–1999
10%
19%
14%
25%
2000–2009
Unreliable estimate
8%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
The typical home in North Patchogue was built in 1962, 8 years before the typical one in Suffolk County.
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–$300KUnreliable
$300K–$500K59%
$500K–$750K24%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: North Patchogue and its comparisons
Measure
North Patchogue
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
59%
$500K–$750K
24%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,49967%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: North Patchogue and its comparisons
Measure
North Patchogue
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
67%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$3,169 a month
Suffolk County: $3,320 a month
Without a mortgage
$1,325 a month
Suffolk County: $1,478 a month
Owners with a mortgage
67%
Suffolk County: 62%
In North Patchogue, 67% of owners have a mortgage; their typical cost is $3,169 a month, about the same as in Suffolk County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
North Patchogue+44%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
North Patchogue+34%
Suffolk County+29%
New York+27%
United States+33%
Typical household income
North PatchogueNo clear change
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: North Patchogue and its comparisons
Measure
North Patchogue
Suffolk County
New York
United States
Typical home value
+44%
+46%
+35%
+53%
Typical rent
+34%
+29%
+27%
+33%
Typical household income
No clear change
+29%
+26%
+29%
From 2015–2019 to 2020–2024, home values in North Patchogue rose at about the same pace as in Suffolk County: 44% against 46%.
The typical rent in North Patchogue rose 34% over the same time; in Suffolk County, it rose 29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: North Patchogue and its comparisons
Measure
North Patchogue
Suffolk County
New York
United States
Rental vacancy
Unreliable estimate
4.1%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.8%
5.3%
3.4%
People per household
3.01
2.93
2.49
2.53
Drive alone
84%
72%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
5%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
10%
12%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in North Patchogue has 3.01 people on average, about the same as in Suffolk County (2.93).
To get to work, 84% of workers in North Patchogue drive alone; in Suffolk County, 72%.
Do the math
What would you pay each month for a home in North Patchogue?
A typical home costs more than the typical income allows
We start with a typical home in North Patchogue, worth $450,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in North Patchogue, which is $107,695 a year. For that payment to be 28% of income, a household would need to earn about $180,767 a year.
The calculator's FHA and conventional loan limits are those of all of Suffolk 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 North Patchogue. 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 $15,771 (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
$4,218
at 7.18% · 30 years
Loan amount
$442,439
Total interest
$636,565
Paid off in
November 2056
Includes $7,610 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,513 a month
Tight
$2,513 to $3,231 a month
Hard
more than $3,231 a month
Your payment · 47%
Compared with the typical household income in North Patchogue ($107,695 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,997
Property tax
$834
Home insurance
$188
FHA mortgage insurance (MIP)
$199
You need at least $15,771 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 $4,218; principal and interest $2,997.
The city and its county
North Patchogue and Suffolk County
North Patchogue 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 Patchogue
Map of Suffolk County, New York, with North Patchogue marked. Around it, the neighboring counties.
North Patchogue
Suffolk County
Other cities with a page
North Patchogue's own numbers
Typical home value
$450,600
Typical monthly rent
$2,275
Typical yearly household income
$107,695
Households that own their home
90%
Effective property tax rate
2.22%
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.
A typical home in North Patchogue is worth $450,600: 22% below the county and 6% above New York. With the typical household income in North Patchogue ($107,695 a year), a typical home costs 4.2 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 Patchogue4.2 years
Suffolk4.4 years
New York4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Suffolk County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +4.6% +4.6% 2017
2018: +6.3% +6.3% 2018
2019: +4.4% +4.4% 2019
2020: +4.3% +4.3% 2020
2021: +10.7% +10.7% 2021
2022: +13.2% +13.2% 2022
2023: +7.1% +7.1% 2023
2024: +9.2% +9.2% 2024
2025: +5.4% +5.4% 2025
Change in FHFA’s price index in Suffolk County, New York and the United States
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 Patchogue 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 Patchogue$450,600
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
North Patchogue$2,275
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
North Patchogue$107,695
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
North Patchogue next to Suffolk County and New York
Measure
North Patchogue
Suffolk County
New York
U.S.
Typical home value
$450,600 ▼22% below the county
$578,400
$423,800
$332,700
Typical monthly rent
$2,275
$2,255
$1,621
$1,413
Typical yearly household income
$107,695 ▼18% below the county
$130,686
$85,974
$80,734
Households that own their home
90% ▲8 points above the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
2.22% ▲0.49 points above the county
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 North Patchogue
For a typical $450,600 home in North Patchogue, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Patchogue's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,218a month
Least cash to close
Down payment
$15,771
Cash to close
$29,289
Rate
7.18%
Mortgage insurance
FHA MIP · $199
Conventional, 5% down$4,135a month
Down payment
$22,530
Cash to close
$36,048
Rate
7.18%
Mortgage insurance
PMI · $214
Conventional, 20% down, no PMI$3,463a month
Down payment
$90,120
Cash to close
$103,638
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,880a month
Down payment
$67,590
Cash to close
$81,108
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in North Patchogue
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,218
$15,771
$442,439
7.18%
FHA MIP · $199
$29,289
580
Conventional, 5% down
$4,135
$22,530
$428,070
7.18%
PMI · $214
$36,048
620*
Conventional, 20% down, no PMI
$3,463
$90,120
$360,480
7.18%
None
$103,638
620*
ITIN, 15% down (example)
$3,880
$67,590
$383,010
8.18%
None
$81,108
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 North Patchogue is $2,275 a month: about the same as 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Suffolk 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 North Patchogue
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Patchogue is in ZIP code 11772.
For 2 bedrooms it is $2,540: $149 less than the fair market rent for Suffolk County ($2,689).
Fair market rent by ZIP code and size in North Patchogue, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
11772
$1,860
$2,160
$2,540
$3,270
$3,470
ZIP code2 bd3 bd
11772 $2,540$3,270
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 Patchogue 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 10 HUD-approved agencies with an office in Suffolk County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for North Patchogue or Suffolk County. The ones below are statewide in New York: they work in North Patchogue 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).
The HUD-approved agencies closest to the center of North Patchogue, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for North Patchogue or Suffolk 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 North Patchogue 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 Patchogue?
The typical home value in North Patchogue is $450,600, 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 Patchogue?
Typical rent in North Patchogue is $2,275 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 Patchogue?
North Patchogue 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 Patchogue?
The typical homeowner in North Patchogue pays $10,001 a year, according to the U.S. Census Bureau. That is 2.22% 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 Patchogue?
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.
