ZIP Code 11976 — Water Mill CDP, NY Demographics & Data

ZIP code 11976 covers Water Mill, NY in Suffolk County with a population of about 2,447.

At a glance, the area shows median age of 53.2 versus a U.S. median of about 38.9.

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

Water Mill, NY aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 11976 is about $158,000 — about 110% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.0%; unemployment rate near 6.3%; 77.2% of adults with a bachelor’s degree or higher (about 43.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Finance and insurance, and Retail trade; about 42.1% of workers reporting work-from-home (about 26.9 points above 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 $2,000,001 — about 475% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,154 (about 171% above the U.S. median rent ($1,163)), and owner-occupancy near 90.9% (about 25.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 11976 in Water Mill, NY, a household would need roughly $551,000 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 $12,847. That is about 249% above the local median household income ($158,000), 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 Water Mill 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 Water Mill CDP, NY show little to no average snow and around 49.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 106 for ZIP 11976 (Water Mill 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.