HousingHandbookReference data

U.S. ZIP Code · NY11778

Suffolk County · New York-Newark-Jersey City, NY-NJ

Typical home value

$537,465[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+4.2%
5-year / yr
+6.6%
10-year / yr
+7.2%

Relative price

vs U.S.
+89.2%
vs metro
-26.3%
vs state
+68.7%
ZIP 11778 location in NY
Location of ZIP 11778 in NY

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 11778 is worth $537,465 — 26.3% below the New York-Newark-Jersey City, NY-NJ median. Over the past year, values have risen 4.2%. The effective property tax rate is 1.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.9%[3]
Typical annual tax
$10,258[3]

#Climate risk

FEMA National Risk Index ratings for Suffolk County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Very High
Wildfire
Relatively Low
Drought
Very Low
Heat wave
Relatively Moderate
Hurricane
Relatively High
Tornado
Relatively Moderate
Earthquake
Relatively Moderate
Winter weather
Very High

#Who lives here

Population
12,390[3]
Median household income
$126,349[3]

#Migration

Household moves in and out of Suffolk County over a year, from IRS tax-return data.

Net migration
-5,930[5]
Moved in
23,778
Moved out
29,708

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
2
Middle
1
High
1
  • ROCKY POINT HIGH SCHOOL

    High · Grades 9–12 · ROCKY POINT UNION FREE SCHOOL DISTRICT

    905 students

  • ROCKY POINT MIDDLE SCHOOL

    Middle · Grades 6–8 · ROCKY POINT UNION FREE SCHOOL DISTRICT

    634 students

  • JOSEPH A EDGAR IMTERMEDIATE SCHOOL

    Elementary · Grades 3–5 · ROCKY POINT UNION FREE SCHOOL DISTRICT

    569 students

  • FRANK J CARASITI ELEMENTARY SCHOOL

    Elementary · Grades K–2 · ROCKY POINT UNION FREE SCHOOL DISTRICT

    508 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$2,718
Loan principal$429,972
Down payment$107,493
Total interest paid$548,406

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$4,021
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
60th percentile[1]
Rental yield
[2]
Property tax
62nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 11778?
The typical home in 11778 is worth $537,465, based on the Zillow Home Value Index.
Are home values rising in 11778?
Home values in 11778 are up 4.2% over the past year, and up 6.6% a year over five years.
What is the property tax rate in 11778?
The effective property tax rate in 11778 is 1.9% — roughly $10,258 a year on a typical home.
Who lives in 11778?
ZIP code 11778 has a population of 12,390 and a median household income of $126,349.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Lincoln Park, NJ

    Typical home
    $537,910
    Gross yield
  • Toms River CDP, NJ

    Typical home
    $538,026
    Gross yield
    6.2%
  • New York, NY

    Typical home
    $536,679
    Gross yield
    6.3%
  • Jersey City, NJ

    Typical home
    $536,391
    Gross yield
    5.3%
  • Linden, NJ

    Typical home
    $538,901
    Gross yield
    5.5%
  • Fords CDP, NJ

    Typical home
    $535,604
    Gross yield
    5.3%

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