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City · 14,676 residents · Nassau County, New York

South Farmingdale , New York

In South Farmingdale, a typical home is worth $607,700 and typical rent is $2,408 a month. Compared with all of Nassau County, the typical home value is 11% lower, typical rent is 7% higher, and the share of households that own their home is 13 points higher.

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  • Typical home value

    $607,700

    11% below the county

    43% above New York

    • South Farmingdale
    • Nassau
    • New York

  • Typical rent

    $2,408a month

    7% above the county

    49% above New York

    • South Farmingdale
    • Nassau
    • New York

  • Typical household income

    $155,072a year

    6% above the county

    80% above New York

    • South Farmingdale
    • Nassau
    • New York

  • Households that own their home

    95%

    13 points above the county

    41 points above New York

    • South Farmingdale
    • Nassau
    • New York

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

South Farmingdale 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

Data updated: October 1, 2026 11 official sources

Only here

What sets South Farmingdale apart

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

  1. South Farmingdale has the 17th highest homeownership rate of the 347 cities in New York with more than 5,000 people (95%).

  2. Nearby, in North Amityville, the typical home value is $466,500: 23% less than in South Farmingdale ($607,700).

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

The homes here

Housing in South Farmingdale

What homes there are in South Farmingdale, 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

The detached house rules in South Farmingdale: 95% of homes, more than in Nassau County (76%).

Year built

By age, homes in South Farmingdale look like those in Nassau County: the typical year built is 1956.

Homes in South Farmingdale are bigger: 93% have 3 bedrooms or more; in Nassau County, 75%.

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

$3,443 a month

Nassau County: $3,795 a month

Without a mortgage

$1,410 a month

Nassau County: $1,500 or more a month

Owners with a mortgage

63%

Nassau County: 62%

The typical cost for an owner with a mortgage in South Farmingdale is $3,443 a month, less than in Nassau County ($3,795); without one, $1,410.

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

The typical home value in South Farmingdale rose 43% since 2015–2019, more than in Nassau County (39%).

Since 2015–2019, the typical rent in South Farmingdale 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

MeasureSouth FarmingdaleNassau CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.4%5.3%3.4%
People per household 3.122.992.492.53
Drive alone 72%61%49%69%
Carpool 6%7%6%9%
Public transit 8%13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 13%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in South Farmingdale look like those in Nassau County: 3.12 people on average.

To get to work, 72% of workers in South Farmingdale drive alone; in Nassau County, 61%.

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 South Farmingdale?

A typical home costs more than the typical income allows

We start with a typical home in South Farmingdale, worth $607,700, 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 South Farmingdale, which is $155,072 a year. For that payment to be 28% of income, a household would need to earn about $231,419 a year.

The calculator's FHA and conventional loan limits are those of all of Nassau County.

Your numbers

Local data
$

Starts at the typical home value in South Farmingdale. 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 $21,270 (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

$5,400

at 7.18% · 30 years

Loan amount
$596,693
Total interest
$858,501
Paid off in
November 2056

Includes $10,263 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,618 a month

  • Tight

    $3,618 to $4,652 a month

  • Hard

    more than $4,652 a month

    Your payment · 42%

Compared with the typical household income in South Farmingdale ($155,072 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,400
Principal & interest$4,042
Property tax$836
Home insurance$253
FHA mortgage insurance (MIP)$269

You need at least $21,270 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

South Farmingdale and Nassau County

South Farmingdale 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).

South Farmingdale's own numbers

Typical home value
$607,700
Typical monthly rent
$2,408
Typical yearly household income
$155,072
Households that own their home
95%
Effective property tax rate
1.65%

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.

Everything about Nassau County

Buying

Buying a home in South Farmingdale

A typical home in South Farmingdale is worth $607,700: 11% below the county and 43% above New York. With the typical household income in South Farmingdale ($155,072 a year), a typical home costs 3.9 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.

  • South Farmingdale 3.9 years
  • Nassau 4.7 years
  • New York 4.9 years
  • United States 4.1 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.

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

South Farmingdale 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
  • South Farmingdale $607,700
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • South Farmingdale $2,408
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • South Farmingdale $155,072
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
South Farmingdale next to Nassau County and New York
Measure South Farmingdale Nassau County New York U.S.
Typical home value $607,700 $684,700 $423,800 $332,700
Typical monthly rent $2,408 $2,252 $1,621 $1,413
Typical yearly household income $155,072 $146,202 $85,974 $80,734
Households that own their home 95% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.65% 1.46% 1.55% 0.94%

“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 South Farmingdale

For a typical $607,700 home in South Farmingdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Farmingdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,400a month

    Least cash to close
    Down payment
    $21,270
    Cash to close
    $39,501
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $269

  • Conventional, 5% down $5,288a month

    Down payment
    $30,385
    Cash to close
    $48,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $289

  • Conventional, 20% down, no PMI $4,382a month

    Down payment
    $121,540
    Cash to close
    $139,771
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,944a month

    Down payment
    $91,155
    Cash to close
    $109,386
    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 South Farmingdale and for Nassau County.

Property tax

Effective rate in South Farmingdale

1.65%of the home’s value each year

$10,001 a year for the typical owner in South Farmingdale.

  • South Farmingdale 1.65%
  • Nassau 1.46%
  • 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 Nassau County

FEMA does not publish these numbers by city: they are for all of Nassau County.

Homes in the high-risk zone
9.6%
35,643
Of those, with NFIP insurance
76%
County New York U.S.
Homes in the high-risk zone 9.6% 2% 3.5%
Of those, with NFIP insurance 76% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in South Farmingdale

Typical rent in South Farmingdale is $2,408 a month: 7% above the county.

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 fair market rent for all of Nassau 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 South Farmingdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). South Farmingdale is in ZIP code 11735.

For 2 bedrooms it is $2,700: $11 more than the fair market rent for Nassau County ($2,689).

  • 11735 $2,700$3,470

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

Free help

Help to buy or rent in South Farmingdale

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in South Farmingdale

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

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

Housing counselors near South Farmingdale

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

  • COMMUNITY DEVELOPMENT CORPORATION OF LONG ISLAND dba Community Development Long Island

    1660 Walt Whitman Rd Ste 130, Melville · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (631) 471-1215

  • American Debt Resources

    105 Maxess Rd Ste 124, Melville · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (800) 498-0766

  • Family and Children's Association

    377 Oak St, Garden City · 8 miles away · Spanish

    • Reverse mortgage counseling
    516-485-3425-2325

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near South Farmingdale

2 of the 3 agencies on this list say they serve 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 South Farmingdale

In HUD’s record, no housing authority with an office in Nassau County is named for South Farmingdale or Nassau County.

11 other authorities have an office in Nassau County: see the list Source: HUD

Cities

Other cities in Nassau County

These cities are also in Nassau County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Nassau County Housing in New York
See 57 more cities in Nassau County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to South Farmingdale, with the typical home value.

Neighboring counties

If Nassau 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 South Farmingdale.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about South Farmingdale

Short answers with the numbers for South Farmingdale 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 South Farmingdale?

The typical home value in South Farmingdale is $607,700, 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 South Farmingdale?

Typical rent in South Farmingdale is $2,408 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 South Farmingdale?

South Farmingdale 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 South Farmingdale?

The typical homeowner in South Farmingdale pays $10,001 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Nassau County, the rate is 1.46%.

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

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.

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).