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City · 7,676 residents · Suffolk County, New York

Port Jefferson Station , New York

In Port Jefferson Station, a typical home is worth $507,900 and typical rent is $2,411 a month. Compared with all of Suffolk County, the typical home value is 12% lower, typical household income is 8% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $507,900

    12% below the county

    20% above New York

    • Port Jefferson Station
    • Suffolk
    • New York

  • Typical rent

    $2,411a month

    7% above the county

    49% above New York

    • Port Jefferson Station
    • Suffolk
    • New York

  • Typical household income

    $120,734a year

    8% below the county

    40% above New York

    • Port Jefferson Station
    • Suffolk
    • New York

  • Households that own their home

    76%

    6 points below the county

    22 points above New York

    • Port Jefferson Station
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$633,132
6.7% more than 12 months ago
Typical rent
$3,140 a month
6.9% more than 12 months ago

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

Port Jefferson Station 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 Port Jefferson Station apart

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

  1. 76% of households in Port Jefferson Station own their home, against 82% in Suffolk County.

  2. Port Jefferson Station has the 30th largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (73%).

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

The homes here

Housing in Port Jefferson Station

What homes there are in Port Jefferson Station, 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 Port Jefferson Station, 8 in 10 homes are single-family detached houses; in Suffolk County, 8.

Year built

By age, homes in Port Jefferson Station look like those in Suffolk County: the typical year built is 1968.

In Port Jefferson Station, 71% of homes have 3 bedrooms or more, about the same as 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

$3,281 a month

Suffolk County: $3,320 a month

Owners with a mortgage

69%

Suffolk County: 62%

The typical cost for an owner with a mortgage in Port Jefferson Station is $3,281 a month, near the figure in Suffolk County ($3,320).

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 Port Jefferson Station rose 34%; in Suffolk County, it rose 46%.

The typical rent in Port Jefferson Station rose 39% over the same time; in Suffolk County, it rose 29%.

The typical household income in Port Jefferson Station rose 29%: less than home values (+34%) and rent (+39%).

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

MeasurePort Jefferson StationSuffolk 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 Unreliable estimate2.8%5.3%3.4%
People per household 2.872.932.492.53
Drive alone 74%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 15%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Suffolk County, a household in Port Jefferson Station has 2.87 people on average.

In Port Jefferson Station, 15% of workers work from home, more than in Suffolk County (12%).

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 Port Jefferson Station?

A typical home costs more than the typical income allows

We start with a typical home in Port Jefferson Station, worth $507,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Port Jefferson Station, which is $120,734 a year. For that payment to be 28% of income, a household would need to earn about $199,219 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 Port Jefferson Station. 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 $17,777 (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

$4,649

at 7.18% · 30 years

Loan amount
$498,700
Total interest
$717,513
Paid off in
November 2056

Includes $8,577 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,817 a month

  • Tight

    $2,817 to $3,622 a month

  • Hard

    more than $3,622 a month

    Your payment · 46%

Compared with the typical household income in Port Jefferson Station ($120,734 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,649
Principal & interest$3,378
Property tax$834
Home insurance$212
FHA mortgage insurance (MIP)$225

You need at least $17,777 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

Port Jefferson Station and Suffolk County

Port Jefferson Station 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).

Port Jefferson Station's own numbers

Typical home value
$507,900
Typical monthly rent
$2,411
Typical yearly household income
$120,734
Households that own their home
76%
Effective property tax rate
1.97%

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 Port Jefferson Station

A typical home in Port Jefferson Station is worth $507,900: 12% below the county and 20% above New York. With the typical household income in Port Jefferson Station ($120,734 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.

  • Port Jefferson Station 4.2 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

Port Jefferson Station 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
  • Port Jefferson Station $507,900
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Port Jefferson Station $2,411
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Port Jefferson Station $120,734
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Port Jefferson Station next to Suffolk County and New York
Measure Port Jefferson Station Suffolk County New York U.S.
Typical home value $507,900 $578,400 $423,800 $332,700
Typical monthly rent $2,411 $2,255 $1,621 $1,413
Typical yearly household income $120,734 $130,686 $85,974 $80,734
Households that own their home 76% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.97% 1.73% 1.55% 0.94%
Renters with high rent for their income 73% 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 Port Jefferson Station

For a typical $507,900 home in Port Jefferson Station, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Jefferson Station's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,648a month

    Least cash to close
    Down payment
    $17,777
    Cash to close
    $33,014
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $225

  • Conventional, 5% down $4,555a month

    Down payment
    $25,395
    Cash to close
    $40,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $241

  • Conventional, 20% down, no PMI $3,798a month

    Down payment
    $101,580
    Cash to close
    $116,817
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,268a month

    Down payment
    $76,185
    Cash to close
    $91,422
    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 Port Jefferson Station and for Suffolk County.

Property tax

Effective rate in Port Jefferson Station

1.97%of the home’s value each year

$10,001 a year for the typical owner in Port Jefferson Station.

  • Port Jefferson Station 1.97%
  • 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 Port Jefferson Station

Typical rent in Port Jefferson Station is $2,411 a month: 7% above the county. In Port Jefferson Station, 73% 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 Port Jefferson Station

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Jefferson Station has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,700 in 11776 to $2,870 in 11733.

2 of the 2 are above the fair market rent for Suffolk County ($2,689).

  • 11733 $2,870$3,690
  • 11776 $2,700$3,470

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Jefferson Station 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?

Low-income apartments

Low-income apartments in Port Jefferson Station

HUD lists 9 buildings with rents for lower incomes in Port Jefferson Station. These are the largest.

  • Wisdom Gardens at Maryhaven 115 Terryville Rd, Port Jefferson Station 11776 40 low-income homes · 1 bd: 36 · 2 bd: 4 · In service since 2002 · For older adults, people with disabilities
  • Options Supported Housing Project VIII 75 Colony Rd, Port Jefferson Station 11776 15 low-income homes · For people with disabilities
  • Options Supportive HSG II 89 Canal Rd, Port Jefferson Station 11776 15 low-income homes · For people with disabilities
  • Options Supported Housing Project XIV 10 Beach Ave, Port Jefferson Station 11776 12 low-income homes · For people with disabilities
  • Project Share 75 Gaymore Rd, Port Jefferson Station 11776 12 low-income homes · For people with disabilities

See all 114 buildings in Suffolk County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Port Jefferson Station

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.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Port Jefferson Station

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

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

Housing counselors near Port Jefferson Station

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

  • Long Island Housing Services, Incorporated

    640 Johnson Ave Ste 8, Bohemia · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (631) 567-5111

  • Community Housing Innovations, Inc.

    55 Medford Ave., Ste. B, Patchogue · 11 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    631-475-6390-225

  • Economic Opportunity Council of Suffolk, Inc.

    31 W Main St, Patchogue · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (631) 968-8000

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near Port Jefferson Station

1 of the 3 agencies on this list says it serves 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 Port Jefferson Station

In HUD’s record, no housing authority with an office in Suffolk County is named for Port Jefferson Station 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 Port Jefferson Station, 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 Port Jefferson Station.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Port Jefferson Station

Short answers with the numbers for Port Jefferson Station 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 Port Jefferson Station?

The typical home value in Port Jefferson Station is $507,900, 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 Port Jefferson Station?

Typical rent in Port Jefferson Station is $2,411 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 Port Jefferson Station?

Port Jefferson Station 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 Port Jefferson Station?

The typical homeowner in Port Jefferson Station pays $10,001 a year, according to the U.S. Census Bureau. That is 1.97% of the home’s value; in Suffolk County, the rate is 1.73%.

Where can I find free help to buy or rent in Port Jefferson Station?

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).