Español

Este sitio también está en español. Leer en español

City · 28,375 residents · Suffolk County, New York

Shirley , New York

In Shirley, a typical home is worth $424,900 and typical rent is $2,056 a month. Compared with all of Suffolk County, the typical home value is 27% lower, typical household income is 14% lower, and the share of households that own their home is 10 points higher.

WhatsApp

  • Typical home value

    $424,900

    27% below the county

    About the same as New York

    • Shirley
    • Suffolk
    • New York

  • Typical rent

    $2,056a month

    9% below the county

    27% above New York

    • Shirley
    • Suffolk
    • New York

  • Typical household income

    $112,788a year

    14% below the county

    31% above New York

    • Shirley
    • Suffolk
    • New York

  • Households that own their home

    92%

    10 points above the county

    38 points above New York

    • Shirley
    • Suffolk
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$548,142
4.9% more than 12 months ago

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

Shirley 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 Shirley apart

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

  1. The typical home in Shirley is worth $424,900, 27% less than in Suffolk County as a whole ($578,400).

  2. Nearby, in Mastic Beach, the typical home value is $357,200: 16% less than in Shirley ($424,900).

  3. 92% of households in Shirley own their home, against 82% in Suffolk County.

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

The homes here

Housing in Shirley

What homes there are in Shirley, 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 houses, standing on their own, make up 94% of homes here, against 80% in Suffolk County.

Year built

The typical home in Shirley was built in 1975, 5 years after the typical one in Suffolk County.

There is more room for a big family here: 86% of homes have 3 bedrooms or more, against 73% 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

$2,712 a month

Suffolk County: $3,320 a month

Without a mortgage

$1,260 a month

Suffolk County: $1,478 a month

Owners with a mortgage

70%

Suffolk County: 62%

In Shirley, 70% of owners have a mortgage, and their typical cost is $2,712 a month, against $3,320 in Suffolk County. Without one it drops to $1,260.

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 Shirley gained value faster than in Suffolk County: 60% against 46%.

Since 2015–2019, the typical rent in Shirley did not change clearly, according to the Census.

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

MeasureShirleySuffolk 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 3.5%2.8%5.3%3.4%
People per household 3.322.932.492.53
Drive alone 77%72%49%69%
Carpool 12%8%6%9%
Public transit 2%5%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 7%12%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.5% of households in Shirley live, near the figure in Suffolk County (2.8%).

On average, a household in Shirley has 3.32 people, more than in Suffolk County (2.93).

More people carpool to work in Shirley than in Suffolk County: 12% against 8%.

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 Shirley?

A typical home costs more than the typical income allows

We start with a typical home in Shirley, worth $424,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Shirley, which is $112,788 a year. For that payment to be 28% of income, a household would need to earn about $169,546 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 Shirley. 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 $14,872 (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

$3,956

at 7.18% · 30 years

Loan amount
$417,203
Total interest
$600,258
Paid off in
November 2056

Includes $7,175 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,632 a month

  • Tight

    $2,632 to $3,384 a month

  • Hard

    more than $3,384 a month

    Your payment · 42%

Compared with the typical household income in Shirley ($112,788 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,956
Principal & interest$2,826
Property tax$765
Home insurance$177
FHA mortgage insurance (MIP)$188

You need at least $14,872 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

Shirley and Suffolk County

Shirley 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).

Shirley's own numbers

Typical home value
$424,900
Typical monthly rent
$2,056
Typical yearly household income
$112,788
Households that own their home
92%
Effective property tax rate
2.16%

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 Shirley

A typical home in Shirley is worth $424,900: 27% below the county and about the same as New York. With the typical household income in Shirley ($112,788 a year), a typical home costs 3.8 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.

  • Shirley 3.8 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

Shirley 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
  • Shirley $424,900
  • Suffolk $578,400
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Shirley $2,056
  • Suffolk $2,255
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Shirley $112,788
  • Suffolk $130,686
  • New York $85,974
  • United States $80,734
See the full table
Shirley next to Suffolk County and New York
Measure Shirley Suffolk County New York U.S.
Typical home value $424,900 $578,400 $423,800 $332,700
Typical monthly rent $2,056 $2,255 $1,621 $1,413
Typical yearly household income $112,788 $130,686 $85,974 $80,734
Households that own their home 92% 82% 54% 65%
Typical yearly property tax $9,187 $10,001 $6,582 $3,119
Effective property tax rate 2.16% 1.73% 1.55% 0.94%
Renters with high rent for their income 66% 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 Shirley

For a typical $424,900 home in Shirley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shirley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,956a month

    Least cash to close
    Down payment
    $14,872
    Cash to close
    $27,619
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,878a month

    Down payment
    $21,245
    Cash to close
    $33,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $3,245a month

    Down payment
    $84,980
    Cash to close
    $97,727
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,637a month

    Down payment
    $63,735
    Cash to close
    $76,482
    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 Shirley and for Suffolk County.

Property tax

Effective rate in Shirley

2.16%of the home’s value each year

$9,187 a year for the typical owner in Shirley.

  • Shirley 2.16%
  • 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 Shirley

Typical rent in Shirley is $2,056 a month: 9% below the county. In Shirley, 66% 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 Shirley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shirley is in ZIP code 11967.

For 2 bedrooms it is $2,630: $59 less than the fair market rent for Suffolk County ($2,689).

  • 11967 $2,630$3,380

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

HUD lists 2 buildings with rents for lower incomes in Shirley. These are the largest.

  • Options Supported Housing Project XI 30 Adobe Dr, Shirley 11967 12 low-income homes · For people with disabilities
  • Housing Opportunities II 32 Propose Rd, Shirley 11967 6 low-income homes · For people with disabilities (631) 669-1114

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

Free help

Help to buy or rent in Shirley

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Shirley

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

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

Housing counselors near Shirley

The HUD-approved agencies closest to the center of Shirley, 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 · 7 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 · 8 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 · 12 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 Shirley

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 Shirley

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Shirley

Short answers with the numbers for Shirley 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 Shirley?

The typical home value in Shirley is $424,900, 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 Shirley?

Typical rent in Shirley is $2,056 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 Shirley?

Shirley 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 Shirley?

The typical homeowner in Shirley pays $9,187 a year, according to the U.S. Census Bureau. That is 2.16% of the home’s value; in Suffolk County, the rate is 1.73%.

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

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).