11706
Bay Shore, New York.
Bay Shore, Suffolk County, NY · New York-Newark-Jersey City, NY-NJ-PA metro · population 68,976
to buy the typical home at today's mortgage rate — +$1,779 (+107%) since Jan 2020.
- 1 year
- Up $29,123 +5%
- $627,952$657,075 since Sep 2025
- 5 years
- Up $120,833 +23%
- $536,242$657,075 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 11706$3,449
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in zip 11706 rose 4.6% over the past year — faster than the nation's +1.2%.
Asking rents in zip 11706 rose 6.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 11706 runs $1,795/mo more than renting one. The gap peaked at $1,966 in Nov 2024.
That is $5,099 a month against $3,304 rent: a $3,449 mortgage payment, plus $947 property tax and $703 insurance & upkeep.
Owning vs renting — zip 11706
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,099
- Renting$3,304
- Mortgage only$3,449
Property tax · $947/mo 1.73% of value a year — the ACS 2020-2024 median bill over the median home value for Suffolk County, NY
Insurance & upkeep · $703/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Bay Shore, NY — measured over the city limits, which is a different area from this zip.
Asking rent — 11706
Against the New York-Newark-Jersey City, NY-NJ-PA metro and the national benchmark.
- 11706$3,304
- New York$3,546
- United States$1,932
Typical home value — 11706
Mid-tier homes, smoothed and seasonally adjusted.
- 11706$657,075
- New York$730,949
- United States$366,157
Within 20 miles
Showing 30 of 85 zips in range — sorting picks from all 85.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 1.5 | 11718 | Brightwaters | 3,179 | — | $847,745 |
| 2.2 | 11751 | Islip | 13,726 | — | $674,933 |
| 2.9 | 11795 | West Islip | 25,379 | — | $762,571 |
| 3.3 | 11730 | East Islip | 14,247 | — | $739,667 |
| 4.2 | 11739 | Great River | 1,225 | — | $1,101,598 |
| 4.7 | 11703 | North Babylon | 17,187 | — | $670,108 |
| 5.1 | 11752 | Islip Terrace | 9,204 | — | $668,462 |
| 5.4 | 11717 | Brentwood | — | — | $638,272 |
| 5.7 | 11729 | Deer Park | 27,231 | $2,404 | $683,434 |
| 5.9 | 11722 | Central Islip | 39,033 | $2,898 | $586,598 |
| 6.2 | 11704 | West Babylon | 40,706 | $2,986 | $661,604 |
| 6.3 | 11769 | Oakdale | 8,935 | — | $728,281 |
| 6.3 | 11702 | Babylon | 13,909 | $3,050 | $753,880 |
| 6.6 | 11770 | Ocean Beach | 77 | — | $1,435,123 |
| 7.0 | 11757 | Lindenhurst | 44,413 | $2,942 | $650,002 |
| 7.5 | 11716 | Bohemia | 9,659 | — | $726,616 |
| 7.6 | 11796 | West Sayville | 3,560 | — | $712,281 |
| 7.6 | 11798 | Wyandanch | — | — | $595,106 |
| 7.9 | 11788 | Hauppauge | 17,374 | $3,078 | $800,641 |
| 7.9 | 11749 | Islandia | 3,600 | — | $645,103 |
| 8.3 | 11726 | Copiague | 21,455 | $2,782 | $616,164 |
| 8.7 | 11782 | Sayville | 14,405 | — | $779,067 |
| 9.1 | 11701 | Amityville | 29,509 | $3,235 | $630,528 |
| 9.5 | 11725 | Commack | 29,073 | $5,550 | $818,583 |
| 9.7 | 11746 | Huntington Station | 65,747 | $3,217 | $827,813 |
| 9.9 | 11779 | Ronkonkoma | 38,206 | $3,019 | $650,585 |
| 10.1 | 11735 | Farmingdale | 32,028 | $2,585 | $742,746 |
| 10.2 | 11705 | Bayport | 8,284 | — | $786,926 |
| 10.3 | 11747 | Melville | 20,513 | $4,000 | $950,751 |
| 10.3 | 11787 | Smithtown | 34,499 | $3,300 | $819,890 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.