Median home value in zip code 11976 (Water Mill, NY) is $4,908,492, up 6.5% year over year. Part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area.

Home Value$4,908,492

YoY Change

+6.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 11976 (Water Mill).

Income (annual)

Down Payment

$981,698 on $4,908,492

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

Out of reach457.1% of income

Need $1,224,429/yr to afford.

PITI$28,570

P/I457.1%

Afford$301K

Gap-$4.61M

P&I $24,820Tax $3,600Ins $150

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

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

Metro Analysis

11976 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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