Suffolk County, New York: What It Costs to Buy a Home
The median home in Suffolk County is worth $539,500, property taxes on it run about $10,001 a year (1.85%), the FHA loan limit is $1,249,125, and closing on it means about $7,821 in transfer tax plus $3,305 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $539,500 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $10,001 a year, 1.85% of value | Property tax page → |
| FHA loan limit (1 unit) | $1,249,125 | Loan limits page → |
| Conforming loan limit (1 unit) | $1,209,750 | Loan limits page → |
| Transfer tax on the median home | $7,821 (incl. Mortgage Recording Tax (combined Suffolk County rate)) | New York transfer tax page → |
| Title insurance on the median home | $2,542 owner's + $763 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $905 | Recording fees page → |
| Closing costs from these items | $12,031 | Closing costs page → |
| Area median income (HUD, family of 4) | $164,300; low-income limit $128,100 | Income limits page → |
Frequently asked questions
How much do homes cost in Suffolk County?
The median owner-occupied home in Suffolk County is valued at $539,500, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Suffolk County?
The median Suffolk County homeowner pays $10,001 a year in real estate taxes, about 1.85% of the median home value ($10,001 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Suffolk County?
$1,249,125 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $1,209,750, per FHFA.
What does it cost to close on a home in Suffolk County?
On the $539,500 median home: transfer tax $7,821, title insurance $3,305 for both policies, recording fees about $905, about $12,031 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Suffolk County?
HUD's FY 2026 median family income for Suffolk County (Nassau-Suffolk, NY HUD Metro FMR Area) is $164,300. A family of four counts as low income below $128,100 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby New York counties
- Seneca County $142,700
- St. Lawrence County $119,800
- Steuben County $128,600
- Sullivan County $234,800
- Tioga County $153,200
- Tompkins County $271,500
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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