Southold, New York.
Typical home $1,116,859 (+2.5% in a year). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — $26 (-0%) since Nov 2023.
- 1 year
- Up $27,149 +2%
- $1,089,710$1,116,859 since Sep 2025
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.
- Southold$5,862
- New York$2,755
- United States$1,922
Typical home values in Southold, NY rose 2.5% over the past year — faster than the nation's +1.2%.
Living in Southold, Suffolk County, New York
Southold, in Suffolk County, had 6,040 people in the 2020 census. Half its households earn more than $128,822 a year and half less, against $130,686 across Suffolk County; 4% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Suffolk County was 4.1% in August 2026, and the county had 1.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Southold is a small community on the North Fork of Long Island, and most homes here are lived in by their owners. Household incomes run a little below the county's, very few residents live below the poverty line, and typical home values are high. A good share of adults hold a four-year degree, and winters are cold while summers are warm, with rain and melted snow spread through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, the building trades and shops. Across Suffolk County, some of the largest workplaces are Stony Brook University Hospital, Stony Brook University and South Shore University Hospital. The typical commute is a fairly long one, and a noticeable number of residents work from home.
Things to do. A short drive away are Orient Beach State Park and the Elizabeth Alexandra Morton National Wildlife Refuge, both protected areas for walking and watching wildlife. Fort Corchaug Archaeological Site, also a short drive off, is a place to learn about the area's earlier history. For an outing with more art, the Parrish Art Museum is a museum a longer drive away.
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- 2,460households
- 54%of adults have a degree
- 4%below the poverty line
- 27 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Suffolk County had 689,858 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 23°; warmest in July, with highs near 82° and lows near 65°. About 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mattituck weather station, 7 miles away (NOAA).
Largest workplaces in Suffolk County
- Stony Brook University HospitalGeneral hospital8,738FTE
- Stony Brook UniversityUniversity or college5,585
- Canon USACopier rental or leasing4,982
- South Shore University HospitalGeneral hospital3,739FTE
- Good Samaritan HospitalGeneral hospital3,305FTE
- New York Cancer & Blood SpecialistsOncologists' offices2,917
- Huntington HospitalGeneral hospital2,760FTE
- Internal Revenue ServiceFederal government · Department of the Treasury2,511
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 974 workplaces with 20 or more staff, 152,960 people in all across the county; Southold has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingRelatively high
- HurricanesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Southold’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Suffolk County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Southold home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Southold$1,116,859
- New York$524,942
- United States$366,157
Sellers are cutting prices on about 1 in 5 Southold listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Southold18.63%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Southold60
New listings per month
Sellers arriving at the market.
- Southold10
Zip codes with a Southold address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Southold — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.