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City · 18,433 residents · Nassau County, New York

Syosset , New York

In Syosset, a typical home is worth $874,300. Compared with all of Nassau County, typical household income is 28% higher, the typical home value is 28% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $874,300

    28% above the county

    106% above New York

    • Syosset
    • Nassau
    • New York

  • Typical household income

    $187,273a year

    28% above the county

    118% above New York

    • Syosset
    • Nassau
    • New York

  • Households that own their home

    92%

    10 points above the county

    38 points above New York

    • Syosset
    • Nassau
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$1,134,287
6.8% more than 12 months ago

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

Syosset 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 Syosset apart

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

  1. Nearby, in Hicksville, the typical home value is $634,100: 27% less than in Syosset ($874,300).

  2. The typical household income in Syosset is $187,273, 28% more than in Nassau County as a whole ($146,202).

  3. The typical home in Syosset is worth $874,300, 28% more than in Nassau County as a whole ($684,700).

  4. 92% of households in Syosset own their home, against 82% in Nassau County.

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

The homes here

Housing in Syosset

What homes there are in Syosset, 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 92% of homes here, against 76% in Nassau County.

Year built

In Syosset, half of the homes were built before 1958; in Nassau County, before 1955.

There is more room for a big family here: 94% of homes have 3 bedrooms or more, against 75% in Nassau 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

Owners with a mortgage

60%

Nassau County: 62%

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

From 2015–2019 to 2020–2024, the typical home value in Syosset rose 32%; in Nassau County, it rose 39%.

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

MeasureSyossetNassau 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 3.042.992.492.53
Drive alone 51%61%49%69%
Carpool 7%7%6%9%
Public transit 15%13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 25%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Syosset look like those in Nassau County: 3.04 people on average.

Working from home is more common in Syosset: 25%, against 16% in Nassau County.

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 Syosset?

A typical home costs more than the typical income allows

We start with a typical home in Syosset, worth $874,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Syosset, which is $187,273 a year. For that payment to be 28% of income, a household would need to earn about $323,045 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 Syosset. 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 $30,601 (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

$7,538

at 7.18% · 30 years

Loan amount
$858,464
Total interest
$1,235,128
Paid off in
November 2056

Includes $14,765 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,370 a month

  • Tight

    $4,370 to $5,618 a month

  • Hard

    more than $5,618 a month

    Your payment · 48%

Compared with the typical household income in Syosset ($187,273 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,538
Principal & interest$5,816
Property tax$831
Home insurance$364
FHA mortgage insurance (MIP)$527

You need at least $30,601 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

Syosset and Nassau County

Syosset 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).

Syosset's own numbers

Typical home value
$874,300
Typical yearly household income
$187,273
Households that own their home
92%
Effective property tax rate
1.14%

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 Syosset

A typical home in Syosset is worth $874,300: 28% above the county and 106% above New York. With the typical household income in Syosset ($187,273 a year), a typical home costs 4.7 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.

  • Syosset 4.7 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

Syosset 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
  • Syosset $874,300
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical yearly household income
  • Syosset $187,273
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
Syosset next to Nassau County and New York
Measure Syosset Nassau County New York U.S.
Typical home value $874,300 $684,700 $423,800 $332,700
Typical yearly household income $187,273 $146,202 $85,974 $80,734
Households that own their home 92% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.14% 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 Syosset

For a typical $874,300 home in Syosset, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Syosset's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,538a month

    Least cash to close
    Down payment
    $30,601
    Cash to close
    $56,830
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $527

  • Conventional, 5% down $7,237a month

    Down payment
    $43,715
    Cash to close
    $69,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $415

  • Conventional, 20% down, no PMI $5,933a month

    Down payment
    $174,860
    Cash to close
    $201,089
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,741a month

    Down payment
    $131,145
    Cash to close
    $157,374
    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 Syosset and for Nassau County.

Property tax

Effective rate in Syosset

1.14%of the home’s value each year

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

  • Syosset 1.14%
  • 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 Syosset

The Census Bureau publishes no typical rent for Syosset. Below are the fair market rents for Nassau 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 Syosset

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Syosset is in ZIP code 11791.

For 2 bedrooms it is $4,030: $1,341 more than the fair market rent for Nassau County ($2,689).

  • 11791 $4,030$5,180

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

HUD lists one building with rents for lower incomes in Syosset.

  • Syosset Senior CZNS 40 Eastwoods Rd, Syosset 11791 192 homes, 191 low-income · Run by Town of Oyster Bay Housing Authority · Average payment: $620 a month · Average wait: 66 months (516) 349-1000

See all 82 buildings in Nassau County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Syosset

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 Syosset

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

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

Housing counselors near Syosset

The HUD-approved agencies closest to the center of Syosset, 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 · 5 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 · 6 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 Syosset

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 Syosset

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

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

Questions

Housing questions about Syosset

Short answers with the numbers for Syosset 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 Syosset?

The typical home value in Syosset is $874,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.

What is the FHA loan limit in Syosset?

Syosset 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 Syosset?

The typical homeowner in Syosset pays $10,001 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Nassau County, the rate is 1.46%.

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

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).