HousingHandbookReference data

U.S. ZIP Code · NY11965

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

Typical home value

$2,025,914[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+5.1%
5-year / yr
+9.4%
10-year / yr
+7.4%

Relative price

vs U.S.
+613.2%
vs metro
+177.7%
vs state
+535.9%
ZIP 11965 location in NY
Location of ZIP 11965 in NY

Price history

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

The typical home in 11965 is worth $2,025,914 — 177.7% above the New York-Newark-Jersey City, NY-NJ median. Over the past year, values have risen 5.1%. The effective property tax rate is 0.6%.

#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
0.6%[3]
Typical annual tax
$11,240[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
404[3]
Median household income
[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

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$10,244
Loan principal$1,620,731
Down payment$405,183
Total interest paid$2,067,153

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$12,861
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
98th percentile[1]
Rental yield
[2]
Property tax
6th percentile[3]

Frequently asked

How much is a home worth in ZIP code 11965?
The typical home in 11965 is worth $2,025,914, based on the Zillow Home Value Index.
Are home values rising in 11965?
Home values in 11965 are up 5.1% over the past year, and up 9.4% a year over five years.
What is the property tax rate in 11965?
The effective property tax rate in 11965 is 0.6% — roughly $11,240 a year on a typical home.

#Comparable ZIPs

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

  • New Vernon CDP, NJ

    Typical home
    $2,048,185
    Gross yield
  • Montauk CDP, NY

    Typical home
    $1,979,840
    Gross yield
  • Northwest Harbor CDP, NY

    Typical home
    $1,934,984
    Gross yield
  • New York, NY

    Typical home
    $2,131,804
    Gross yield
  • New York, NY

    Typical home
    $1,898,404
    Gross yield
  • North Beach Haven CDP, NJ

    Typical home
    $1,895,066
    Gross yield

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