ZIP Code 11778 — Rocky Point CDP, NY Demographics & Data

ZIP code 11778 covers Rocky Point, NY in Suffolk County with a population of about 12,919.

At a glance, the area shows median age of 38.9 (near the U.S. median).

It sits in telephone area codes 631, 934; U.S. House district NY-1; the NEW YORK media market.

Median household income in ZIP 11778 is about $119,656 — about 59% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.3%; unemployment rate near 5.3%; 40.4% of adults with a bachelor’s degree or higher (about 6.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 7.8% of workers reporting work-from-home (about 7.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $410,900 — about 18% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,688 (about 45% above the U.S. median rent ($1,163)), and owner-occupancy near 94.0% (about 28.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 11778 in Rocky Point, NY, a household would need roughly $113,000 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 $2,640. That is roughly in line with the local median household income ($119,656). 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 Rocky Point 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 Rocky Point CDP, NY show little to no average snow and around 48.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 558 for ZIP 11778 (Rocky Point 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.