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City · 13,356 residents · Suffolk County, New York

Rocky Point , New York

In Rocky Point, a typical home is worth $461,400 and typical rent is $2,337 a month. Compared with all of Suffolk County, the typical home value is 20% lower and the share of households that own their home is 6 points higher.

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  • Typical home value

    $461,400

    20% below the county

    9% above New York

    • Rocky Point
    • Suffolk
    • New York

  • Typical rent

    $2,337a month

    4% above the county

    44% above New York

    • Rocky Point
    • Suffolk
    • New York

  • Typical household income

    $127,024a year

    3% below the county

    48% above New York

    • Rocky Point
    • Suffolk
    • New York

  • Households that own their home

    88%

    6 points above the county

    34 points above New York

    • Rocky Point
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$552,590
4.3% more than 12 months ago

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

Rocky Point 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 Rocky Point apart

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

  1. Nearby, in Miller Place, the typical rent is $1,172: 50% less than in Rocky Point ($2,337).

  2. Rocky Point has the 14th largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (79%).

  3. Nearby, in Middle Island, the typical home value is $383,500: 17% less than in Rocky Point ($461,400).

  4. The typical home in Rocky Point is worth $461,400, 20% less than in Suffolk County as a whole ($578,400).

  5. 88% of households in Rocky Point own their home, against 82% in Suffolk County.

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

The homes here

Housing in Rocky Point

What homes there are in Rocky Point, 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 Rocky Point, 9 in 10 homes are single-family detached houses; in Suffolk County, 8.

Year built

In Rocky Point, half of the homes were built before 1965; in Suffolk County, before 1970.

Homes in Rocky Point are smaller: 70% have 3 bedrooms or more; in Suffolk County, 73%.

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

$2,790 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,310 a month

Suffolk County: $1,478 a month

Owners with a mortgage

75%

Suffolk County: 62%

Owning costs less in Rocky Point: with a mortgage, the typical cost is $2,790 a month; in Suffolk County, $3,320. Without one, $1,310.

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

Since 2015–2019, homes in Rocky Point gained value faster than in Suffolk County: 53% against 46%.

Rents in Rocky Point rose faster than in Suffolk County: 54% since 2015–2019, against 29%.

The typical household income in Rocky Point rose 28%: less than home values (+53%) and rent (+54%).

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

MeasureRocky PointSuffolk 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 2.702.932.492.53
Drive alone 79%72%49%69%
Carpool 7%8%6%9%
Public transit Unreliable estimate5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 9%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Rocky Point has 2.70 people, fewer than in Suffolk County (2.93).

The car rules in Rocky Point: 79% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Rocky Point?

A typical home costs more than the typical income allows

We start with a typical home in Rocky Point, worth $461,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Rocky Point, which is $127,024 a year. For that payment to be 28% of income, a household would need to earn about $184,275 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 Rocky Point. 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 $16,149 (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

$4,300

at 7.18% · 30 years

Loan amount
$453,043
Total interest
$651,822
Paid off in
November 2056

Includes $7,792 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,964 a month

  • Tight

    $2,964 to $3,811 a month

  • Hard

    more than $3,811 a month

    Your payment · 41%

Compared with the typical household income in Rocky Point ($127,024 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,300
Principal & interest$3,069
Property tax$834
Home insurance$192
FHA mortgage insurance (MIP)$204

You need at least $16,149 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

Rocky Point and Suffolk County

Rocky Point 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).

Rocky Point's own numbers

Typical home value
$461,400
Typical monthly rent
$2,337
Typical yearly household income
$127,024
Households that own their home
88%
Effective property tax rate
2.17%

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 Rocky Point

A typical home in Rocky Point is worth $461,400: 20% below the county and 9% above New York. With the typical household income in Rocky Point ($127,024 a year), a typical home costs 3.6 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.

  • Rocky Point 3.6 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

Rocky Point 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
  • Rocky Point $461,400
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Rocky Point $2,337
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Rocky Point $127,024
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Rocky Point next to Suffolk County and New York
Measure Rocky Point Suffolk County New York U.S.
Typical home value $461,400 $578,400 $423,800 $332,700
Typical monthly rent $2,337 $2,255 $1,621 $1,413
Typical yearly household income $127,024 $130,686 $85,974 $80,734
Households that own their home 88% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 2.17% 1.73% 1.55% 0.94%
Renters with high rent for their income 79% 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 Rocky Point

For a typical $461,400 home in Rocky Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rocky Point's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,300a month

    Least cash to close
    Down payment
    $16,149
    Cash to close
    $29,991
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $4,215a month

    Down payment
    $23,070
    Cash to close
    $36,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $3,527a month

    Down payment
    $92,280
    Cash to close
    $106,122
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,954a month

    Down payment
    $69,210
    Cash to close
    $83,052
    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 Rocky Point and for Suffolk County.

Property tax

Effective rate in Rocky Point

2.17%of the home’s value each year

$10,001 a year for the typical owner in Rocky Point.

  • Rocky Point 2.17%
  • 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 Rocky Point

Typical rent in Rocky Point is $2,337 a month: 4% above the county. In Rocky Point, 79% 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 Rocky Point

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

For 2 bedrooms it runs from $2,480 in 11778 to $3,120 in 11764.

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

  • 11764 $3,120$4,010
  • 11778 $2,480$3,210

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rocky Point 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 Rocky Point

HUD lists one building with rents for lower incomes in Rocky Point.

  • Project Share III 23 Madison St, Rocky Point 11778 15 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 Rocky Point

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 man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Rocky Point

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

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

Housing counselors near Rocky Point

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

  • Community Housing Innovations, Inc.

    55 Medford Ave., Ste. B, Patchogue · 12 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 · 13 miles away

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

  • Long Island Housing Services, Incorporated

    640 Johnson Ave Ste 8, Bohemia · 14 miles away · Spanish

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

Every agency in Suffolk County All counseling agencies in New York

Help in Spanish near Rocky Point

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 Rocky Point

In HUD’s record, no housing authority with an office in Suffolk County is named for Rocky Point 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 Rocky Point, 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 Rocky Point.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Rocky Point

Short answers with the numbers for Rocky Point 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 Rocky Point?

The typical home value in Rocky Point is $461,400, 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 Rocky Point?

Typical rent in Rocky Point is $2,337 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 Rocky Point?

Rocky Point 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 Rocky Point?

The typical homeowner in Rocky Point pays $10,001 a year, according to the U.S. Census Bureau. That is 2.17% of the home’s value; in Suffolk County, the rate is 1.73%.

Where can I find free help to buy or rent in Rocky Point?

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).