In North Sea, a typical home is worth $1,128,000 and typical rent is $3,063 a month. Compared with all of Suffolk County, the typical home value is 95% higher and typical rent is 36% higher.
North Sea 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
The typical home in North Sea is worth $1,128,000,95% more than in Suffolk County as a whole ($578,400).
2
Nearby, in Flanders, the typical home value is $419,600: 63% less than in North Sea ($1,128,000).
3
Nearby, in Northwest Harbor, the typical rent is $1,807: 41% less than in North Sea ($3,063).
4
The typical rent in North Sea is $3,063 a month, 36% more than in Suffolk County as a whole ($2,255).
5
The typical household income in North Sea is $161,587,24% more than in Suffolk County as a whole ($130,686).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in North Sea
What homes there are in North Sea, 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 Sea
Suffolk County
New York
United States
Kind of home: North Sea and its comparisons
Measure
North Sea
Suffolk County
New York
United States
Detached house
95%
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%
In North Sea, 10 in 10 homes are single-family detached houses; in Suffolk County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
North Sea
Suffolk County
New York
United States
Year built: North Sea and its comparisons
Measure
North Sea
Suffolk County
New York
United States
Before 1960
19%
31%
52%
26%
1960–1979
21%
38%
22%
24%
1980–1999
35%
19%
14%
25%
2000–2009
18%
8%
6%
14%
2010 or later
6%
4%
6%
11%
In North Sea, 74% of homes have 3 bedrooms or more, about the same as 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–$500KUnreliable
$500K–$750KUnreliable
$750K–$1M23%
$1M or more60%
Value of owner-occupied homes: North Sea and its comparisons
Measure
North Sea
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
23%
$1M or more
60%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: North Sea and its comparisons
Measure
North Sea
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$3,402 a month
Suffolk County: $3,320 a month
Without a mortgage
$1,175 a month
Suffolk County: $1,478 a month
Owners with a mortgage
50%
Suffolk County: 62%
Owning costs about the same in North Sea as in Suffolk County: with a mortgage, $3,402 a month; without one, $1,175.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
North Sea+35%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
North SeaNo clear change
Suffolk County+29%
New York+27%
United States+33%
Typical household income
North Sea+54%
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: North Sea and its comparisons
Measure
North Sea
Suffolk County
New York
United States
Typical home value
+35%
+46%
+35%
+53%
Typical rent
No clear change
+29%
+27%
+33%
Typical household income
+54%
+29%
+26%
+29%
Homes in North Sea gained value more slowly than in Suffolk County: 35% since 2015–2019, against 46%.
Rent in North Sea moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: North Sea and its comparisons
Measure
North Sea
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
2.74
2.93
2.49
2.53
Drive alone
68%
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
Unreliable estimate
12%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in North Sea are smaller: 2.74 people on average; in Suffolk County, 2.93.
To get to work, 68% of workers in North Sea drive alone; in Suffolk County, 72%.
Do the math
What would you pay each month for a home in North Sea?
A typical home costs more than the typical income allows
We start with a typical home in North Sea, worth $1,128,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 67% of the typical household income in North Sea, which is $161,587 a year. For that payment to be 28% of income, a household would need to earn about $387,376 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 Sea. 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 $39,480 (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
$9,039
at 7.18% · 30 years
Loan amount
$1,107,569
Total interest
$1,593,532
Paid off in
November 2056
Includes $19,049 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,770 a month
Tight
$3,770 to $4,848 a month
Hard
more than $4,848 a month
Your payment · 67%
Compared with the typical household income in North Sea ($161,587 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$7,503
Property tax
$385
Home insurance
$470
FHA mortgage insurance (MIP)
$680
You need at least $39,480 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 $9,039; principal and interest $7,503.
The city and its county
North Sea and Suffolk County
North Sea 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 Sea
Map of Suffolk County, New York, with North Sea marked. Around it, the neighboring counties.
North Sea
Suffolk County
Other cities with a page
North Sea's own numbers
Typical home value
$1,128,000
Typical monthly rent
$3,063
Typical yearly household income
$161,587
Households that own their home
85%
Effective property tax rate
0.41%
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 Sea is worth $1,128,000: 95% above the county and 166% above New York. With the typical household income in North Sea ($161,587 a year), a typical home costs 7.0 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 Sea7.0 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 Sea 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 Sea$1,128,000
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
North Sea$3,063
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
North Sea$161,587
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
North Sea next to Suffolk County and New York
Measure
North Sea
Suffolk County
New York
U.S.
Typical home value
$1,128,000 ▲95% above the county
$578,400
$423,800
$332,700
Typical monthly rent
$3,063 ▲36% above the county
$2,255
$1,621
$1,413
Typical yearly household income
$161,587 ▲24% above the county
$130,686
$85,974
$80,734
Households that own their home
85% ▲3 points above the county
82%
54%
65%
Typical yearly property tax
$4,671 ▼53% below the county
$10,001
$6,582
$3,119
Effective property tax rate
0.41% ▼1.32 points below the county
1.73%
1.55%
0.94%
Renters with high rent for their income
61% ▲3 points above the county
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 Sea
For a typical $1,128,000 home in North Sea, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Sea's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$9,039a month
Least cash to close
Down payment
$39,480
Cash to close
$73,320
Rate
7.18%
Mortgage insurance
FHA MIP · $680
Conventional, 5% down$8,651a month
Down payment
$56,400
Cash to close
$90,240
Rate
7.18%
Mortgage insurance
PMI · $536
Conventional, 20% down, no PMI$6,969a month
Down payment
$225,600
Cash to close
$259,440
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$8,011a month
Down payment
$169,200
Cash to close
$203,040
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in North Sea
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$9,039
$39,480
$1,107,569
7.18%
FHA MIP · $680
$73,320
580
Conventional, 5% down
$8,651
$56,400
$1,071,600
7.18%
PMI · $536
$90,240
620*
Conventional, 20% down, no PMI
$6,969
$225,600
$902,400
7.18%
None
$259,440
620*
ITIN, 15% down (example)
$8,011
$169,200
$958,800
8.18%
None
$203,040
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 Sea is $3,063 a month: 36% above the county. In North Sea, 61% 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.
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 Sea
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Sea is in ZIP code 11968.
For 2 bedrooms it is $2,620: $69 less than the fair market rent for Suffolk County ($2,689).
Fair market rent by ZIP code and size in North Sea, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
11968
$1,910
$2,230
$2,620
$3,370
$3,580
ZIP code2 bd3 bd
11968 $2,620$3,370
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 Sea 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 Sea or Suffolk County. The ones below are statewide in New York: they work in North Sea 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 North Sea 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 Sea 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 Sea?
The typical home value in North Sea is $1,128,000, 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 Sea?
Typical rent in North Sea is $3,063 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 Sea?
North Sea 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 Sea?
The typical homeowner in North Sea pays $4,671 a year, according to the U.S. Census Bureau. That is 0.41% 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 Sea?
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.
