In Wading River, a typical home is worth $518,500. Compared with all of Suffolk County, the typical home value is 10% lower and the share of households that own their home is 12 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $551,588 to $754,406.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wading River 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 Calverton, the typical home value is $229,200: 56% less than in Wading River ($518,500).
2
95% of households in Wading River own their home, against 82% in Suffolk County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wading River
What homes there are in Wading River, 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
Wading River
Suffolk County
New York
United States
Kind of home: Wading River and its comparisons
Measure
Wading River
Suffolk County
New York
United States
Detached house
92%
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%
In Wading River, 9 in 10 homes are single-family detached houses; in Suffolk County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Wading River
Suffolk County
New York
United States
Year built: Wading River and its comparisons
Measure
Wading River
Suffolk County
New York
United States
Before 1960
29%
31%
52%
26%
1960–1979
20%
38%
22%
24%
1980–1999
31%
19%
14%
25%
2000–2009
18%
8%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 73% in Suffolk County.
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–$500K36%
$500K–$750K25%
$750K–$1M15%
$1M or moreUnreliable
Value of owner-occupied homes: Wading River and its comparisons
Measure
Wading River
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
36%
$500K–$750K
25%
$750K–$1M
15%
$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: Wading River and its comparisons
Measure
Wading River
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,240 a month
Suffolk County: $3,320 a month
Without a mortgage
$1,459 a month
Suffolk County: $1,478 a month
Owners with a mortgage
57%
Suffolk County: 62%
The typical cost for an owner with a mortgage in Wading River is $3,240 a month, near the figure in Suffolk County ($3,320).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wading River+22%
Suffolk County+46%
New York+35%
United States+53%
Typical household income
Wading RiverNo clear change
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: Wading River and its comparisons
Measure
Wading River
Suffolk County
New York
United States
Typical home value
+22%
+46%
+35%
+53%
Typical rent
No data
+29%
+27%
+33%
Typical household income
No clear change
+29%
+26%
+29%
The typical home value in Wading River rose 22% since 2015–2019, less than in Suffolk County (46%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wading River and its comparisons
Measure
Wading River
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
2.63
2.93
2.49
2.53
Drive alone
70%
72%
49%
69%
Carpool
11%
8%
6%
9%
Public transit
Unreliable estimate
5%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
17%
12%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.63 on average, against 2.93 in Suffolk County.
Working from home is more common in Wading River: 17%, against 12% in Suffolk County.
Do the math
What would you pay each month for a home in Wading River?
A typical home costs more than the typical income allows
We start with a typical home in Wading River, worth $518,500, 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 Wading River, which is $136,549 a year. For that payment to be 28% of income, a household would need to earn about $202,636 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 Wading River. 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 $18,148 (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
$4,728
at 7.18% · 30 years
Loan amount
$509,108
Total interest
$732,487
Paid off in
November 2056
Includes $8,756 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,186 a month
Tight
$3,186 to $4,096 a month
Hard
more than $4,096 a month
Your payment · 42%
Compared with the typical household income in Wading River ($136,549 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,449
Property tax
$834
Home insurance
$216
FHA mortgage insurance (MIP)
$229
You need at least $18,148 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 $4,728; principal and interest $3,449.
The city and its county
Wading River and Suffolk County
Wading River 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).
Wading River
Map of Suffolk County, New York, with Wading River marked. Around it, the neighboring counties.
Wading River
Suffolk County
Other cities with a page
Wading River's own numbers
Typical home value
$518,500
Typical yearly household income
$136,549
Households that own their home
95%
Effective property tax rate
1.93%
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 Wading River is worth $518,500: 10% below the county and 22% above New York. With the typical household income in Wading River ($136,549 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.
Wading River3.8 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
Wading River 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
Wading River$518,500
Suffolk$578,400
New York$423,800
United States$332,700
Typical yearly household income
Wading River$136,549
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
Wading River next to Suffolk County and New York
Measure
Wading River
Suffolk County
New York
U.S.
Typical home value
$518,500 ▼10% below the county
$578,400
$423,800
$332,700
Typical yearly household income
$136,549 ▲4% above the county
$130,686
$85,974
$80,734
Households that own their home
95% ▲12 points above the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.93% ▲0.2 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 Wading River
For a typical $518,500 home in Wading River, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wading River's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,728a month
Least cash to close
Down payment
$18,148
Cash to close
$33,703
Rate
7.18%
Mortgage insurance
FHA MIP · $229
Conventional, 5% down$4,633a month
Down payment
$25,925
Cash to close
$41,480
Rate
7.18%
Mortgage insurance
PMI · $246
Conventional, 20% down, no PMI$3,860a month
Down payment
$103,700
Cash to close
$119,255
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,339a month
Down payment
$77,775
Cash to close
$93,330
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wading River
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,728
$18,148
$509,109
7.18%
FHA MIP · $229
$33,703
580
Conventional, 5% down
$4,633
$25,925
$492,575
7.18%
PMI · $246
$41,480
620*
Conventional, 20% down, no PMI
$3,860
$103,700
$414,800
7.18%
None
$119,255
620*
ITIN, 15% down (example)
$4,339
$77,775
$440,725
8.18%
None
$93,330
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.
The Census Bureau publishes no typical rent for Wading River. 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.
HUD fair market rent in Suffolk County (Fiscal year 2027)
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 Wading River
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wading River is in ZIP code 11792.
For 2 bedrooms it is $3,390: $701 more than the fair market rent for Suffolk County ($2,689).
Fair market rent by ZIP code and size in Wading River, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
11792
$2,460
$2,940
$3,390
$4,400
$4,650
ZIP code2 bd3 bd
11792 $3,390$4,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wading River 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Wading River or Suffolk County. The ones below are statewide in New York: they work in Wading River 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).
The HUD-approved agencies closest to the center of Wading River, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CH
Community Housing Innovations, Inc.
55 Medford Ave., Ste. B, Patchogue · 16 miles away
No legal help resource on our list is for Wading River 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 Wading River 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 Wading River?
The typical home value in Wading River is $518,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Suffolk County it is $578,400.
What is the FHA loan limit in Wading River?
Wading River 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 Wading River?
The typical homeowner in Wading River pays $10,001 a year, according to the U.S. Census Bureau. That is 1.93% of the home’s value; in Suffolk County, the rate is 1.73%.
Where can I find free help to buy or rent in Wading River?
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.
