The calculator below is pre-filled with Suffolk County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just New York's statewide figures.

Suffolk County at a glance

Effective property tax rate: 1.73% of home value / year
Median home price: $947,500
Conforming loan limit (1-unit, 2026): $1,209,750

County data last updated 2026-08-28. FIPS 36103. Full source list on /methodology.

Suffolk County, NY mortgage payment calculator

All-in cost first, always — pre-filled with Suffolk County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Related reading

Buying a Home in Winter: Why the Slowest Season Can Be the Best Deal

Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.

Closing Costs in New York: What You'll Actually Pay

New York taxes the sale and the loan separately. At the $480,000 statewide median, that's $1,920 in transfer tax plus $1,920 more in mortgage recording tax.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

New York at a glance

Median home price: $480,000
Typical closing costs: 2%–5% of price
Transfer tax: 0.4% of sale price, customarily paid by seller
Closing custom: attorney
Homestead exemption: New York has no broad ad-valorem homestead exemption. Instead it offers the STAR (School Tax Relief) program, which reduces school district property tax only (not county/town/city tax): Basic STAR exempts $30,000 of assessed home value from school tax for owner-occupied primary residences with household income under $250,000, regardless of age. Enhanced STAR provides a larger exemption (assessed-value exemption around $81,400 for the 2025 benefit year) for homeowners 65+ with household income under roughly $98,700. New homeowners generally receive STAR as a check/credit from NY State rather than a direct assessment reduction; existing STAR exemption recipients keep the older assessment-reduction form. Not automatic — must register with NY State Tax Department.

First-time buyer / down payment assistance programs

SONYMA Low Interest Rate Program
State of New York Mortgage Agency's primary below-market-rate 30-year fixed first mortgage for 1-4 family homes, condos, co-ops, and manufactured homes, generally available to first-time homebuyers statewide (first-time requirement waived in SONYMA-designated target areas); subject to income and purchase-price limits that vary by county/region.
SONYMA Down Payment Assistance Loan (DPAL)
0%-interest second loan for down payment, closing costs, and/or mortgage insurance, up to 3% of the purchase price (min $1,000, generally up to $15,000), forgiven over 10 years of occupancy; must be paired with a SONYMA first mortgage and raises the first mortgage's interest rate by 0.40%.