In Oakdale, a typical home is worth $613,000 and typical rent is $2,239 a month. Compared with all of Suffolk County, typical household income is 9% lower and the typical home value is 6% higher.
Typical home value from Zillow, September 2021 to September 2026: from $546,647 to $727,321.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oakdale 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
Oakdale has the 8th largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (83%).
2
Nearby, in Bayport, the typical rent is $1,866: 17% less than in Oakdale ($2,239).
3
Nearby, in Islip Terrace, the typical home value is $519,200: 15% less than in Oakdale ($613,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oakdale
What homes there are in Oakdale, 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
Oakdale
Suffolk County
New York
United States
Kind of home: Oakdale and its comparisons
Measure
Oakdale
Suffolk County
New York
United States
Detached house
68%
80%
41%
61%
Attached house
7%
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 is still the most common home in Oakdale, but it weighs less than in Suffolk County: 68% against 80%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Oakdale
Suffolk County
New York
United States
Year built: Oakdale and its comparisons
Measure
Oakdale
Suffolk County
New York
United States
Before 1960
22%
31%
52%
26%
1960–1979
54%
38%
22%
24%
1980–1999
18%
19%
14%
25%
2000–2009
Unreliable estimate
8%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
The typical year built in Oakdale is 1970, about the same as in Suffolk County (1970).
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–$500K16%
$500K–$750K59%
$750K–$1M15%
$1M or moreUnreliable
Value of owner-occupied homes: Oakdale and its comparisons
Measure
Oakdale
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
16%
$500K–$750K
59%
$750K–$1M
15%
$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–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oakdale and its comparisons
Measure
Oakdale
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,689 a month
Suffolk County: $3,320 a month
Owners with a mortgage
55%
Suffolk County: 62%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oakdale+45%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
Oakdale+53%
Suffolk County+29%
New York+27%
United States+33%
Typical household income
OakdaleNo clear change
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: Oakdale and its comparisons
Measure
Oakdale
Suffolk County
New York
United States
Typical home value
+45%
+46%
+35%
+53%
Typical rent
+53%
+29%
+27%
+33%
Typical household income
No clear change
+29%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Oakdale rose at about the same pace as in Suffolk County: 45% against 46%.
The typical rent in Oakdale rose 53% 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: Oakdale and its comparisons
Measure
Oakdale
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
2.56
2.93
2.49
2.53
Drive alone
81%
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
Fewer people live in each home here: 2.56 on average, against 2.93 in Suffolk County.
To get to work, 81% of workers in Oakdale drive alone; in Suffolk County, 72%.
Do the math
What would you pay each month for a home in Oakdale?
A typical home costs more than the typical income allows
We start with a typical home in Oakdale, worth $613,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Oakdale, which is $118,958 a year. For that payment to be 28% of income, a household would need to earn about $233,000 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 Oakdale. 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 $21,455 (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
$5,437
at 7.18% · 30 years
Loan amount
$601,897
Total interest
$865,989
Paid off in
November 2056
Includes $10,352 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,776 a month
Tight
$2,776 to $3,569 a month
Hard
more than $3,569 a month
Your payment · 55%
Compared with the typical household income in Oakdale ($118,958 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,077
Property tax
$833
Home insurance
$255
FHA mortgage insurance (MIP)
$271
You need at least $21,455 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 $5,437; principal and interest $4,077.
The city and its county
Oakdale and Suffolk County
Oakdale 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).
Oakdale
Map of Suffolk County, New York, with Oakdale marked. Around it, the neighboring counties.
Oakdale
Suffolk County
Other cities with a page
Oakdale's own numbers
Typical home value
$613,000
Typical monthly rent
$2,239
Typical yearly household income
$118,958
Households that own their home
81%
Effective property tax rate
1.63%
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 Oakdale is worth $613,000: 6% above the county and 45% above New York. With the typical household income in Oakdale ($118,958 a year), a typical home costs 5.2 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.
Oakdale5.2 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
Oakdale 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
Oakdale$613,000
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
Oakdale$2,239
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
Oakdale$118,958
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
Oakdale next to Suffolk County and New York
Measure
Oakdale
Suffolk County
New York
U.S.
Typical home value
$613,000 ▲6% above the county
$578,400
$423,800
$332,700
Typical monthly rent
$2,239
$2,255
$1,621
$1,413
Typical yearly household income
$118,958 ▼9% below the county
$130,686
$85,974
$80,734
Households that own their home
81% ▼1 points below the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.63% ▼0.1 points below the county
1.73%
1.55%
0.94%
Renters with high rent for their income
83% ▲24 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 Oakdale
For a typical $613,000 home in Oakdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oakdale's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,437a month
Least cash to close
Down payment
$21,455
Cash to close
$39,845
Rate
7.18%
Mortgage insurance
FHA MIP · $271
Conventional, 5% down$5,324a month
Down payment
$30,650
Cash to close
$49,040
Rate
7.18%
Mortgage insurance
PMI · $291
Conventional, 20% down, no PMI$4,410a month
Down payment
$122,600
Cash to close
$140,990
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,977a month
Down payment
$91,950
Cash to close
$110,340
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oakdale
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,437
$21,455
$601,897
7.18%
FHA MIP · $271
$39,845
580
Conventional, 5% down
$5,324
$30,650
$582,350
7.18%
PMI · $291
$49,040
620*
Conventional, 20% down, no PMI
$4,410
$122,600
$490,400
7.18%
None
$140,990
620*
ITIN, 15% down (example)
$4,977
$91,950
$521,050
8.18%
None
$110,340
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 Oakdale is $2,239 a month: about the same as the county. In Oakdale, 83% 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 Oakdale
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oakdale is in ZIP code 11769.
For 2 bedrooms it is $2,760: $71 more than the fair market rent for Suffolk County ($2,689).
Fair market rent by ZIP code and size in Oakdale, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
11769
$2,020
$2,350
$2,760
$3,550
$3,770
ZIP code2 bd3 bd
11769 $2,760$3,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oakdale 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 Oakdale or Suffolk County. The ones below are statewide in New York: they work in Oakdale 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 Oakdale 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 Oakdale 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 Oakdale?
The typical home value in Oakdale is $613,000, 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 Oakdale?
Typical rent in Oakdale is $2,239 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 Oakdale?
Oakdale 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 Oakdale?
The typical homeowner in Oakdale pays $10,001 a year, according to the U.S. Census Bureau. That is 1.63% of the home’s value; in Suffolk County, the rate is 1.73%.
Where can I find free help to buy or rent in Oakdale?
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.
