ZIP Code 11770 — Fire Island CDP, NY Demographics & Data

ZIP code 11770 covers Fire Island, NY in Suffolk County with a population of about 124.

At a glance, the area shows median age of 48.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 631, 934; U.S. House district NY-2; the NEW YORK media market.

Median household income in ZIP 11770 is about $101,250 — about 35% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 13.2% of adults with a bachelor’s degree or higher (about 20.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Public administration, and Healthcare; about 16.9% of workers reporting work-from-home (about 1.7 points above the U.S. share (15.2%)); a mean commute of about 59.0 minutes (U.S. average near 26.8).

Median home value is about $730,800 — about 110% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.6% (about 19.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 11770 in Fire Island, NY, a household would need roughly $201,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,694. That is about 99% above the local median household income ($101,250), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fire Island CDP, NY as Relatively High (composite score 97.3), which is among the highest nationally. The strongest component scores on US5 are flood (98.3) and hurricane (96.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fire Island CDP, NY show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 11770 (Fire Island CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.