In Yaphank, a typical home is worth $459,700 and typical rent is $2,976 a month. Compared with all of Suffolk County, typical rent is 32% higher, the typical home value is 21% lower, and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $414,054 to $567,782.
Typical rent
$3,614a month
Typical rent from Zillow, March 2026 to September 2026: from $3,503 to $3,614.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Yaphank 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 Middle Island, the typical rent is $1,868: 37% less than in Yaphank ($2,976).
2
The typical rent in Yaphank is $2,976 a month, 32% more than in Suffolk County as a whole ($2,255).
3
Nearby, in Middle Island, the typical home value is $383,500: 17% less than in Yaphank ($459,700).
4
The typical home in Yaphank is worth $459,700,21% less than in Suffolk County as a whole ($578,400).
5
Yaphank has the 19th largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (77%).
6
The typical household income in Yaphank is $108,971,17% less than in Suffolk County as a whole ($130,686).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Yaphank
What homes there are in Yaphank, 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
Yaphank
Suffolk County
New York
United States
Kind of home: Yaphank and its comparisons
Measure
Yaphank
Suffolk County
New York
United States
Detached house
51%
80%
41%
61%
Attached house
23%
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 is still the most common home in Yaphank, but it weighs less than in Suffolk County: 51% against 80%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Yaphank
Suffolk County
New York
United States
Year built: Yaphank and its comparisons
Measure
Yaphank
Suffolk County
New York
United States
Before 1960
18%
31%
52%
26%
1960–1979
15%
38%
22%
24%
1980–1999
25%
19%
14%
25%
2000–2009
9%
8%
6%
14%
2010 or later
34%
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–$500K47%
$500K–$750K31%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Yaphank and its comparisons
Measure
Yaphank
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
47%
$500K–$750K
31%
$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: Yaphank and its comparisons
Measure
Yaphank
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,865 a month
Suffolk County: $3,320 a month
Without a mortgage
$1,301 a month
Suffolk County: $1,478 a month
Owners with a mortgage
69%
Suffolk County: 62%
In Yaphank, 69% of owners have a mortgage, and their typical cost is $2,865 a month, against $3,320 in Suffolk County. Without one it drops to $1,301.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Yaphank+40%
Suffolk County+46%
New York+35%
United States+53%
Typical rent
Yaphank+38%
Suffolk County+29%
New York+27%
United States+33%
Typical household income
YaphankNo clear change
Suffolk County+29%
New York+26%
United States+29%
Change since 2015–2019: Yaphank and its comparisons
Measure
Yaphank
Suffolk County
New York
United States
Typical home value
+40%
+46%
+35%
+53%
Typical rent
+38%
+29%
+27%
+33%
Typical household income
No clear change
+29%
+26%
+29%
The typical home value in Yaphank rose 40% since 2015–2019, less than in Suffolk County (46%).
Rents in Yaphank rose faster than in Suffolk County: 38% since 2015–2019, against 29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Yaphank and its comparisons
Measure
Yaphank
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
2.30
2.93
2.49
2.53
Drive alone
78%
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
8%
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
Fewer people live in each home here: 2.30 on average, against 2.93 in Suffolk County.
To get to work, 78% of workers in Yaphank drive alone; in Suffolk County, 72%.
Do the math
What would you pay each month for a home in Yaphank?
A typical home costs more than the typical income allows
We start with a typical home in Yaphank, worth $459,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Yaphank, which is $108,971 a year. For that payment to be 28% of income, a household would need to earn about $177,029 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 Yaphank. 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 $16,090 (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
$4,131
at 7.18% · 30 years
Loan amount
$451,373
Total interest
$649,420
Paid off in
November 2056
Includes $7,763 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,543 a month
Tight
$2,543 to $3,269 a month
Hard
more than $3,269 a month
Your payment · 45%
Compared with the typical household income in Yaphank ($108,971 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,058
Property tax
$678
Home insurance
$192
FHA mortgage insurance (MIP)
$203
You need at least $16,090 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 $4,131; principal and interest $3,058.
The city and its county
Yaphank and Suffolk County
Yaphank 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).
Yaphank
Map of Suffolk County, New York, with Yaphank marked. Around it, the neighboring counties.
Yaphank
Suffolk County
Other cities with a page
Yaphank's own numbers
Typical home value
$459,700
Typical monthly rent
$2,976
Typical yearly household income
$108,971
Households that own their home
72%
Effective property tax rate
1.77%
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 Yaphank is worth $459,700: 21% below the county and 8% above New York. With the typical household income in Yaphank ($108,971 a year), a typical home costs 4.2 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.
Yaphank4.2 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
Yaphank 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
Yaphank$459,700
Suffolk$578,400
New York$423,800
United States$332,700
Typical monthly rent
Yaphank$2,976
Suffolk$2,255
New York$1,621
United States$1,413
Typical yearly household income
Yaphank$108,971
Suffolk$130,686
New York$85,974
United States$80,734
See the full table
Yaphank next to Suffolk County and New York
Measure
Yaphank
Suffolk County
New York
U.S.
Typical home value
$459,700 ▼21% below the county
$578,400
$423,800
$332,700
Typical monthly rent
$2,976 ▲32% above the county
$2,255
$1,621
$1,413
Typical yearly household income
$108,971 ▼17% below the county
$130,686
$85,974
$80,734
Households that own their home
72% ▼10 points below the county
82%
54%
65%
Typical yearly property tax
$8,145 ▼19% below the county
$10,001
$6,582
$3,119
Effective property tax rate
1.77% ▲0.04 points above the county
1.73%
1.55%
0.94%
Renters with high rent for their income
77% ▲18 points above the county
59%
52%
51%
“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 Yaphank
For a typical $459,700 home in Yaphank, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yaphank's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,131a month
Least cash to close
Down payment
$16,090
Cash to close
$29,881
Rate
7.18%
Mortgage insurance
FHA MIP · $203
Conventional, 5% down$4,046a month
Down payment
$22,985
Cash to close
$36,776
Rate
7.18%
Mortgage insurance
PMI · $218
Conventional, 20% down, no PMI$3,361a month
Down payment
$91,940
Cash to close
$105,731
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,786a month
Down payment
$68,955
Cash to close
$82,746
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Yaphank
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,131
$16,090
$451,374
7.18%
FHA MIP · $203
$29,881
580
Conventional, 5% down
$4,046
$22,985
$436,715
7.18%
PMI · $218
$36,776
620*
Conventional, 20% down, no PMI
$3,361
$91,940
$367,760
7.18%
None
$105,731
620*
ITIN, 15% down (example)
$3,786
$68,955
$390,745
8.18%
None
$82,746
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 Yaphank is $2,976 a month: 32% above the county. In Yaphank, 77% of renter households pay 30% or more of their income in rent.
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 Yaphank or Suffolk County. The ones below are statewide in New York: they work in Yaphank 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 Yaphank 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 Yaphank 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 Yaphank?
The typical home value in Yaphank is $459,700, 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 Yaphank?
Typical rent in Yaphank is $2,976 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 Yaphank?
Yaphank 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 Yaphank?
The typical homeowner in Yaphank pays $8,145 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Suffolk County, the rate is 1.73%.
Where can I find free help to buy or rent in Yaphank?
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.
