Median home value in zip code 11965 (Shelter Island, NY) is $2002K, up 5.0% 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$2,001,853

YoY Change

+5.0%

AFFORDABILITY

Enter your income for 11965 (Shelter Island).

Income (annual)

Down Payment

$400,371 on $2,001,853

Out of reach — 187.8% of income

Need $503,143/yr to afford.

PITI$11,740

P/I187.8%

Afford$298K

Gap-$1703K

P&I $10,122Tax $1,468Ins $150

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

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

Metro Analysis

11965 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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