Median home value in zip code 11954 (Montauk, NY) is $1,957,999, up 3.1% year over year. Part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area.

Home Value$1,957,999

YoY Change

+3.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 11954 (Montauk).

Income (annual)

Down Payment

$391,600 on $1,957,999

Example: $75,000 household income. Change it above to see your own.

Out of reach183.8% of income

Need $492,300/yr to afford.

PITI$11,487

P/I183.8%

Afford$298K

Gap-$1.66M

P&I $9,901Tax $1,436Ins $150

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

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

Metro Analysis

11954 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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