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Westhampton CDP, NY

ZIP 11978 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11978

Median Home Value
$1,045,100
Median Rent
$1,597
Affordability Snapshot
$288,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,713/mo PITI).

18%
Rent-to-Income Ratio

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

9.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

54.5 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 11978 in Westhampton CDP, NY, a household would need roughly $288,000 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 $6,713. That is about 164% above the local median household income ($108,938), 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.

Housing Tenure

Vacancy rate 59% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.6%+29% vs US avg
x
Vacancy Rate
58.8%+471% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
22.0%+49% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
16.0%-68% vs US avg
x
Mortgage-Free
48.1%+26% vs US avg
x
$1,045,100
Home Value
$1,597
Rent
1981
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached82.4%
  • 1-unit attached3.2%
  • 2-9 units5.2%
  • 10+ units8.1%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,045,100
Median rent$1,597
Owner-occupied84.6%
Vacant58.8%
Price-to-income9.6x
Est. income to buy$288,000