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City · 9,530 residents · Suffolk County, New York
Stony Brook University 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
The homes here
What homes there are in Stony Brook University, what they cost, how that changed and how people live, from Census figures (2020–2024).
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
| Measure | Stony Brook University | Suffolk County | New York | United States |
|---|---|---|---|---|
| Typical home value | Boundaries changed | +46% | +35% | +53% |
| Typical rent | Boundaries changed | +29% | +27% | +33% |
| Typical household income | Boundaries changed | +29% | +26% | +29% |
The Census does not compare Stony Brook University with 2015–2019 because its boundaries changed. In Suffolk County, over that time, the typical home value rose 46%.
U.S. Census Bureau, ACS 5-year, 2020–2024
| Measure | Stony Brook University | Suffolk County | New York | United States |
|---|---|---|---|---|
| Drive alone | 27% | 72% | 49% | 69% |
| Carpool | 11% | 8% | 6% | 9% |
| Public transit | 10% | 5% | 22% | 3% |
| Walk or bike | 44% | 2% | 6% | 3% |
| Work from home | Unreliable estimate | 12% | 15% | 15% |
| Other means | Unreliable estimate | 2% | 2% | 2% |
| Typical commute | 10 to 19 minutes | 20 to 29 minutes | 20 to 29 minutes | 20 to 29 minutes |
In Stony Brook University, 44% of workers walk or bike to work; in Suffolk County, 2%.
Do the math
The Census Bureau publishes no typical home value or typical household income for Stony Brook University, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Stony Brook University, so the calculator starts with the one for Suffolk County: $578,400. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Suffolk County. Change the price, the down payment or the loan type and see how your payment changes.
The calculator's FHA and conventional loan limits are those of all of Suffolk County.
Starts at the typical home value in Stony Brook University. 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.
That is $20,244 (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.
Estimated monthly payment
Local data$5,178
at 7.18% · 30 years
Includes $9,768 FHA upfront mortgage insurance premium.
Does it fit the income?
Type your income to see which tier this payment lands in.
| Principal & interest | $3,847 |
|---|---|
| Property tax | $834 |
| Home insurance | $241 |
| FHA mortgage insurance (MIP) | $256 |
You need at least $20,244 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 $5,178; principal and interest $3,847.
The city and its county
Stony Brook University 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).
Stony Brook University's own numbers
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Suffolk County
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 CountyBuying
The Census Bureau publishes no typical home value for Stony Brook University. Below are the numbers for 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
Three numbers side by side. “Typical” means the median: half are above it and half below.
Data not available for this place
The Census Bureau publishes no typical home value for Stony Brook University, so we don't build this table. You can enter the price you're looking for in the calculator above.
Taxes and floods
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Stony Brook University and for Suffolk County.
Data not available for this place
What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)
Exemptions and deadlines in New YorkFEMA does not publish these numbers by city: they are for all of Suffolk County.
| Measure | 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 mapRenting
The Census Bureau publishes no typical rent for Stony Brook University. Below are the fair market rents for Suffolk 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.
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
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stony Brook University has 2 ZIP codes with their own.
For 2 bedrooms it is $3,340 in all of them.
2 of the 2 are above the fair market rent for Suffolk County ($2,689).
| 11790 | $2,440 | $2,840 | $3,340 | $4,300 | $4,560 |
|---|---|---|---|---|---|
| 11794 | $2,440 | $2,840 | $3,340 | $4,300 | $4,560 |
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Stony Brook University 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) (external site) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file (external site)
Is your rent high for your ZIP?Free help
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.
HUD counseling is free or low-cost
No down payment, repair or rent-help program on our list is for Stony Brook University or Suffolk County. The ones below are statewide in New York: they work in Stony Brook University the same as in the rest of the state.
Statewide in New York
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).
Forgivable
Statewide in New York
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).
Forgivable
The HUD-approved agencies closest to the center of Stony Brook University, 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 · 9 miles away · Spanish
Central Islip Civic Council, Inc.
68 Wheeler Rd, Central Islip · 9 miles away · Spanish
Long Island Housing Partnership, Inc.
180 Oser Ave, Hauppauge · 9 miles away
Every agency in Suffolk County All counseling agencies in New York
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.
No legal help resource on our list is for Stony Brook University 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.
Cities
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.
Every city has its own page with prices, rents and help.
The cities closest to Stony Brook University, with the typical home value.
If Suffolk County is out of reach, look next door. Each number is that county's own.
Keep going
Short explanations, in plain language and with official sources, for buying or renting in Stony Brook University.
Questions
Short answers with the numbers for Stony Brook University and all of Suffolk County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
Stony Brook University 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.
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).
