In Sound Beach, a typical home is worth $428,700 and typical rent is $3,343 a month. Compared with all of Suffolk County, typical rent is 48% higher and the typical home value is 26% lower.
Typical home value from Zillow, September 2021 to September 2026: from $410,101 to $533,489.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sound Beach 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
Nearby, in Miller Place, the typical rent is $1,172: 65% less than in Sound Beach ($3,343).
2
The typical rent in Sound Beach is $3,343 a month, 48% more than in Suffolk County as a whole ($2,255).
3
The typical home in Sound Beach is worth $428,700,26% less than in Suffolk County as a whole ($578,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sound Beach
What homes there are in Sound Beach, 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
Sound Beach
Suffolk County
New York
United States
Kind of home: Sound Beach and its comparisons
Measure
Sound Beach
Suffolk County
New York
United States
Detached house
97%
80%
41%
61%
Attached house
Unreliable estimate
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 rules in Sound Beach: 97% of homes, more than in Suffolk County (80%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Sound Beach
Suffolk County
New York
United States
Year built: Sound Beach and its comparisons
Measure
Sound Beach
Suffolk County
New York
United States
Before 1960
54%
31%
52%
26%
1960–1979
31%
38%
22%
24%
1980–1999
Unreliable estimate
19%
14%
25%
2000–2009
Unreliable estimate
8%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
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–$500K67%
$500K–$750K21%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sound Beach and its comparisons
Measure
Sound Beach
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
67%
$500K–$750K
21%
$750K–$1M
Unreliable estimate
$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: Sound Beach and its comparisons
Measure
Sound Beach
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$2,637 a month
Suffolk County: $3,320 a month
Without a mortgage
$1,163 a month
Suffolk County: $1,478 a month
Owners with a mortgage
66%
Suffolk County: 62%
In Sound Beach, 66% of owners have a mortgage, and their typical cost is $2,637 a month, against $3,320 in Suffolk County. Without one it drops to $1,163.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sound Beach+39%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
Sound Beach+134%
Suffolk County+29%
New York+27%
United States+33%
Typical household income
Sound Beach+29%
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: Sound Beach and its comparisons
Measure
Sound Beach
Suffolk County
New York
United States
Typical home value
+39%
+46%
+35%
+53%
Typical rent
+134%
+29%
+27%
+33%
Typical household income
+29%
+29%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Sound Beach rose 39%; in Suffolk County, it rose 46%.
Since 2015–2019, the typical rent in Sound Beach rose 134%, more than in Suffolk County (29%).
The typical household income in Sound Beach rose 29%: less than home values (+39%) and rent (+134%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sound Beach and its comparisons
Measure
Sound Beach
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
2.53
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
Unreliable estimate
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
On average, a household in Sound Beach has 2.53 people, fewer than in Suffolk County (2.93).
In Sound Beach, 81% of workers drive alone to work; in Suffolk County, 72%.
Do the math
What would you pay each month for a home in Sound Beach?
A typical home is tight for the typical income
We start with a typical home in Sound Beach, worth $428,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Sound Beach, which is $132,008 a year. For that payment to be 28% of income, a household would need to earn about $169,684 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 Sound Beach. 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 $15,005 (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
$3,959
at 7.18% · 30 years
Loan amount
$420,935
Total interest
$605,626
Paid off in
November 2056
Includes $7,240 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,080 a month
Tight
$3,080 to $3,960 a month
Your payment · 36%
Hard
more than $3,960 a month
Compared with the typical household income in Sound Beach ($132,008 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,852
Property tax
$740
Home insurance
$179
FHA mortgage insurance (MIP)
$190
You need at least $15,005 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 $3,959; principal and interest $2,852.
The city and its county
Sound Beach and Suffolk County
Sound Beach 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).
Sound Beach
Map of Suffolk County, New York, with Sound Beach marked. Around it, the neighboring counties.
Sound Beach
Suffolk County
Other cities with a page
Sound Beach's own numbers
Typical home value
$428,700
Typical monthly rent
$3,343
Typical yearly household income
$132,008
Households that own their home
86%
Effective property tax rate
2.07%
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 Sound Beach is worth $428,700: 26% below the county and about the same as New York. With the typical household income in Sound Beach ($132,008 a year), a typical home costs 3.2 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.
Sound Beach3.2 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
Sound Beach 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
Sound Beach$428,700
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
Sound Beach$3,343
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
Sound Beach$132,008
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
Sound Beach next to Suffolk County and New York
Measure
Sound Beach
Suffolk County
New York
U.S.
Typical home value
$428,700 ▼26% below the county
$578,400
$423,800
$332,700
Typical monthly rent
$3,343 ▲48% above the county
$2,255
$1,621
$1,413
Typical yearly household income
$132,008
$130,686
$85,974
$80,734
Households that own their home
86% ▲4 points above the county
82%
54%
65%
Typical yearly property tax
$8,895 ▼11% below the county
$10,001
$6,582
$3,119
Effective property tax rate
2.07% ▲0.34 points above the county
1.73%
1.55%
0.94%
“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 Sound Beach
For a typical $428,700 home in Sound Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sound Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,959a month
Least cash to close
Down payment
$15,005
Cash to close
$27,866
Rate
7.18%
Mortgage insurance
FHA MIP · $190
Conventional, 5% down$3,881a month
Down payment
$21,435
Cash to close
$34,296
Rate
7.18%
Mortgage insurance
PMI · $204
Conventional, 20% down, no PMI$3,241a month
Down payment
$85,740
Cash to close
$98,601
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,638a month
Down payment
$64,305
Cash to close
$77,166
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sound Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,959
$15,005
$420,935
7.18%
FHA MIP · $190
$27,866
580
Conventional, 5% down
$3,881
$21,435
$407,265
7.18%
PMI · $204
$34,296
620*
Conventional, 20% down, no PMI
$3,241
$85,740
$342,960
7.18%
None
$98,601
620*
ITIN, 15% down (example)
$3,638
$64,305
$364,395
8.18%
None
$77,166
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 Sound Beach is $3,343 a month: 48% above the county.
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.
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 Sound Beach or Suffolk County. The ones below are statewide in New York: they work in Sound Beach 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 Sound Beach 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 Sound Beach 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 Sound Beach?
The typical home value in Sound Beach is $428,700, 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 Sound Beach?
Typical rent in Sound Beach is $3,343 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 Sound Beach?
Sound Beach 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 Sound Beach?
The typical homeowner in Sound Beach pays $8,895 a year, according to the U.S. Census Bureau. That is 2.07% of the home’s value; in Suffolk County, the rate is 1.73%.
Where can I find free help to buy or rent in Sound Beach?
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.
