In Oceanside, a typical home is worth $634,300 and typical rent is $2,227 a month. Compared with all of Nassau County, the typical home value is 7% lower and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $613,053 to $794,456.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oceanside is in Nassau 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 Nassau County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Rockville Centre, the typical rent is $1,881: 16% less than in Oceanside ($2,227).
2
93% of households in Oceanside own their home, against 82% in Nassau County.
3
Oceanside has the 24th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (38%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oceanside
What homes there are in Oceanside, 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
Oceanside
Nassau County
New York
United States
Kind of home: Oceanside and its comparisons
Measure
Oceanside
Nassau County
New York
United States
Detached house
85%
76%
41%
61%
Attached house
4%
3%
6%
6%
Building of 2 to 4
5%
8%
17%
8%
Apartments (5 or more)
6%
13%
35%
19%
Mobile home
Unreliable estimate
0%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 85% of homes here, against 76% in Nassau County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Oceanside
Nassau County
New York
United States
Year built: Oceanside and its comparisons
Measure
Oceanside
Nassau County
New York
United States
Before 1960
63%
66%
52%
26%
1960–1979
25%
19%
22%
24%
1980–1999
10%
7%
14%
25%
2000–2009
1%
3%
6%
14%
2010 or later
2%
4%
6%
11%
By age, homes in Oceanside look like those in Nassau County: the typical year built is 1956.
There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 75% in Nassau County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K17%
$500K–$750K53%
$750K–$1M22%
$1M or more4%
Value of owner-occupied homes: Oceanside and its comparisons
Measure
Oceanside
Under $100K
3%
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
17%
$500K–$750K
53%
$750K–$1M
22%
$1M or more
4%
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 more15%
Monthly rent with utilities: Oceanside and its comparisons
Measure
Oceanside
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
15%
With a mortgage
$3,682 a month
Nassau County: $3,795 a month
Without a mortgage
$1,500 or more a month
Nassau County: $1,500 or more a month
Owners with a mortgage
61%
Nassau County: 62%
Owning costs about the same in Oceanside as in Nassau County: with a mortgage, $3,682 a month; without one, $1,500 or more.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oceanside+34%
Nassau County+39%
New York+35%
United States+53%
Typical rent
Oceanside+41%
Nassau County+27%
New York+27%
United States+33%
Typical household income
Oceanside+27%
Nassau County+26%
New York+26%
United States+29%
Change since 2015–2019: Oceanside and its comparisons
Measure
Oceanside
Nassau County
New York
United States
Typical home value
+34%
+39%
+35%
+53%
Typical rent
+41%
+27%
+27%
+33%
Typical household income
+27%
+26%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Oceanside rose 34%; in Nassau County, it rose 39%.
Rents in Oceanside rose faster than in Nassau County: 41% since 2015–2019, against 27%.
The typical household income in Oceanside rose 27%: less than home values (+34%) and rent (+41%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oceanside and its comparisons
Measure
Oceanside
Nassau County
New York
United States
Rental vacancy
Unreliable estimate
4.5%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.4%
5.3%
3.4%
People per household
2.87
2.99
2.49
2.53
Drive alone
59%
61%
49%
69%
Carpool
9%
7%
6%
9%
Public transit
13%
13%
22%
3%
Walk or bike
3%
2%
6%
3%
Work from home
16%
16%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Oceanside look like those in Nassau County: 2.87 people on average.
To get to work, 59% of workers in Oceanside drive alone; in Nassau County, 61%.
Do the math
What would you pay each month for a home in Oceanside?
A typical home costs more than the typical income allows
We start with a typical home in Oceanside, worth $634,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Oceanside, which is $149,560 a year. For that payment to be 28% of income, a household would need to earn about $239,963 a year.
The calculator's FHA and conventional loan limits are those of all of Nassau 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 Oceanside. 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 $22,201 (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
$5,599
at 7.18% · 30 years
Loan amount
$622,811
Total interest
$896,079
Paid off in
November 2056
Includes $10,712 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,490 a month
Tight
$3,490 to $4,487 a month
Hard
more than $4,487 a month
Your payment · 45%
Compared with the typical household income in Oceanside ($149,560 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,219
Property tax
$835
Home insurance
$264
FHA mortgage insurance (MIP)
$281
You need at least $22,201 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 $5,599; principal and interest $4,219.
The city and its county
Oceanside and Nassau County
Oceanside is in Nassau 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).
Oceanside
Map of Nassau County, New York, with Oceanside marked. Around it, the neighboring counties.
Oceanside
Nassau County
Other cities with a page
Oceanside's own numbers
Typical home value
$634,300
Typical monthly rent
$2,227
Typical yearly household income
$149,560
Households that own their home
93%
Effective property tax rate
1.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Nassau 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)
+45%
Homes in a high flood-risk zone
9.6%
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 Nassau County.
A typical home in Oceanside is worth $634,300: 7% below the county and 50% above New York. With the typical household income in Oceanside ($149,560 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.
Oceanside4.2 years
Nassau4.7 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Nassau County
According to FHFA’s house price index, home prices in Nassau County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Nassau County.
Yearly change in FHFA’s price index in Nassau County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +6.0% +6.0% 2017
2018: +6.6% +6.6% 2018
2019: +3.8% +3.8% 2019
2020: +2.8% +2.8% 2020
2021: +7.0% +7.0% 2021
2022: +11.3% +11.3% 2022
2023: +5.7% +5.7% 2023
2024: +7.4% +7.4% 2024
2025: +7.0% +7.0% 2025
Change in FHFA’s price index in Nassau County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+7.0%
+6.0%
+2.9%
5 years (2020–2025)
+45%
+52%
+47%
10 years (2015–2025)
+82%
+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
Oceanside next to Nassau 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
Oceanside$634,300
Nassau$684,700
New York$423,800
United States$332,700
Typical monthly rent
Oceanside$2,227
Nassau$2,252
New York$1,621
United States$1,413
Typical yearly household income
Oceanside$149,560
Nassau$146,202
New York$85,974
United States$80,734
See the full table
Oceanside next to Nassau County and New York
Measure
Oceanside
Nassau County
New York
U.S.
Typical home value
$634,300 ▼7% below the county
$684,700
$423,800
$332,700
Typical monthly rent
$2,227
$2,252
$1,621
$1,413
Typical yearly household income
$149,560 ▲2% above the county
$146,202
$85,974
$80,734
Households that own their home
93% ▲11 points above the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.58% ▲0.12 points above the county
1.46%
1.55%
0.94%
Renters with high rent for their income
38% ▼17 points below the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau 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 Oceanside
For a typical $634,300 home in Oceanside, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oceanside's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,599a month
Least cash to close
Down payment
$22,201
Cash to close
$41,230
Rate
7.18%
Mortgage insurance
FHA MIP · $281
Conventional, 5% down$5,483a month
Down payment
$31,715
Cash to close
$50,744
Rate
7.18%
Mortgage insurance
PMI · $301
Conventional, 20% down, no PMI$4,537a month
Down payment
$126,860
Cash to close
$145,889
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,123a month
Down payment
$95,145
Cash to close
$114,174
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oceanside
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,599
$22,201
$622,811
7.18%
FHA MIP · $281
$41,230
580
Conventional, 5% down
$5,483
$31,715
$602,585
7.18%
PMI · $301
$50,744
620*
Conventional, 20% down, no PMI
$4,537
$126,860
$507,440
7.18%
None
$145,889
620*
ITIN, 15% down (example)
$5,123
$95,145
$539,155
8.18%
None
$114,174
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 Oceanside is $2,227 a month: about the same as the county. In Oceanside, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Nassau 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 lists 3 buildings with rents for lower incomes in Oceanside. These are the largest.
Mill River Gardens2900 Rockaway Ave, Oceanside 11572106 low-income homes · Run by Town of Hempstead Housing Authority · Average payment: $545 a month · Average wait: 108 months(516) 485-9666
Bishop Kellenberg Gardens2477 Long Beach Rd, Oceanside 1157258 homes, 57 low-income · For older adults
Pine Town Homes37 Pine St, Oceanside 11572In service since 2011
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 3 HUD-approved agencies with an office in Nassau County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Oceanside or Nassau County. The ones below are statewide in New York: they work in Oceanside 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 Oceanside or Nassau 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 Oceanside and all of Nassau 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 Oceanside?
The typical home value in Oceanside is $634,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.
How much does it cost to rent in Oceanside?
Typical rent in Oceanside is $2,227 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $2,689.
What is the FHA loan limit in Oceanside?
Oceanside uses the FHA limit for all of Nassau 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 Oceanside?
The typical homeowner in Oceanside pays $10,001 a year, according to the U.S. Census Bureau. That is 1.58% of the home’s value; in Nassau County, the rate is 1.46%.
Where can I find free help to buy or rent in Oceanside?
There are 3 HUD-approved counseling agencies with an office in Nassau County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
