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Rocky Point CDP, NY

ZIP 11778 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11778

Median Home Value
$410,900
Median Rent
$1,688
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,640/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 11778 in Rocky Point CDP, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
94.0%+44% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
95.6%+10% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
12.8%-0% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
40.1%-19% vs US avg
x
Mortgage-Free
27.1%-29% vs US avg
x
$410,900
Home Value
$1,688
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached93.5%
  • 1-unit attached1.0%
  • 2-9 units2.2%
  • 10+ units3.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$410,900
Median rent$1,688
Owner-occupied94.0%
Vacant5.2%
Price-to-income3.4x
Est. income to buy$113,000