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Mastic Beach CDP, NY

ZIP 11951 — 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 11951

Median Home Value
$321,200
Median Rent
$2,261
Affordability Snapshot
$88,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,063/mo PITI).

25%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.8 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 11951 in Mastic Beach CDP, NY, a household would need roughly $88,000 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 $2,063. That sits below the local median household income ($108,877), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
81.2%+24% vs US avg
x
Vacancy Rate
7.5%-28% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
12.7%-0% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
59.5%+20% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$321,200
Home Value
$2,261
Rent
1970
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached96.3%
  • 1-unit attached2.0%
  • 2-9 units1.2%
  • 10+ units0.3%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$321,200
Median rent$2,261
Owner-occupied81.2%
Vacant7.5%
Price-to-income3.0x
Est. income to buy$88,000