Median home value: $786K (+6.6% YoY). Part of New York-Newark-Jersey City, NY-NJ-PA.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, New York-Newark-Jersey City, NY-NJ-PA metro page.
Home Value$785,760
+6.6%
AFFORDABILITY6.00% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Smithtown.
$157,152 on $785,760
Out of reach — 80.7% of income
Need $216,214/yr to afford.
PITI$5,045
P/I80.7%
Afford$273K
Gap-$513K
P&I $3,769Tax $1,126Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing