The median home in Smithtown, New York is valued at $785,760, up 6.6% year over year. Smithtown is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$785,760
+6.6%
AFFORDABILITY6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Smithtown.
$157,152 on $785,760
Out of reach — 84% of income
Need $224,957/yr to afford.
PITI$5,249
P/I84%
Afford$262K
Gap-$524K
P&I $3,973Tax $1,126Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full New York-Newark-Jersey City, NY-NJ-PA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.
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