Median home value in zip code 11787 (Smithtown, NY) is $782K, up 7.1% year over year. Part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: New York-Newark-Jersey City, NY-NJ-PA metro →

Home Value$781,759

YoY Change

+7.1%

AFFORDABILITY

Enter your income for 11787 (Smithtown).

Income (annual)

Down Payment

$156,352 on $781,759

Out of reach — 74.8% of income

Need $200,400/yr to afford.

PITI$4,676

P/I74.8%

Afford$293K

Gap-$489K

P&I $3,953Tax $573Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

11787 is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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