Middle Island, NY—11953
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Middle Island, NY
As of Oct '25, the median home price in Middle Island, NY is $495,000, with a year-over-year change of 4.5%. This indicates that home prices in Middle Island, NY are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $495,000 | 4.6% |
| Single Family | $551,000 | 2.8% |
| Condos | $316,000 | 0.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $226,000 | 8.1% |
2 Bed | $347,000 | 0.3% |
3 Bed | $531,000 | 3.5% |
4 Bed | $612,000 | 2.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Middle Island, NY
As of July '25, Rentcast reports the average rent in Middle Island, NY is $2,490, with a year-over-year rent change of 0.8%. Per bedroom, the median rent as of July '25 in Middle Island, NY is studios: $1,650, 1-bedrooms: $2,260, 2-bedrooms: $2,610, 4-bedrooms: $4,500. The most common rental property sizes in Middle Island, NY are 1-bedroom and 2-bedroom, accounting for 45.2% and 33.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,440 | $2,490 |
| Studio Rent | $1,650 | $1,650 |
| 1 Bed Rent | $2,340 | $2,260 |
| 2 Bed Rent | $2,540 | $2,610 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $4,500 | $4,500 |
% of Rental Stock
Property Listings — Middle Island, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Middle Island, NY is 63. This is a increase of 50.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 8.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $500,000 | 25.0% |
Listing Count | 101 | 38.0% |
| Listings as % of Homes | 1.0% | 38.0% |
Days on Market | 63 | 50.0% |
Demographics — Middle Island, NY
As of the latest ACS Survey released in 2023, Middle Island, NY has a population of 13,400, which has remained stable by -0.1% over the past 5 years. Middle Island, NY is a moderately popular place for families, as children make up 19.7% of the population. The area has a moderately educated workforce, with 32.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,400 | -0.1% |
% Under 18 | 19.7% | -3.9% |
% Seniors | 21.3% | -3.2% |
% WFH | 7.9% | 243.5% |
% w/ College Degree | 32.3% | 18.3% |
As of the latest ACS Survey released in 2023, Middle Island, NY is a predominantly white area, with 64.6% of the population identifying as white. The white population has grown by 1.6% in the last 5 years. The second most common race or ethnicity in Middle Island, NY is black, making up 16.2% of the population. Foreign-born residents account for 11.8% of the population in Middle Island, NY, and this percentage has decreased by 2.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 64.6% | 1.6% |
% Black | 16.2% | -12.0% |
% Hispanic | 16.0% | 10.3% |
% Asian | 0.8% | -70.4% |
% Foreign Born | 11.8% | -2.5% |
Mortgage and Risk — Middle Island, NY
According to HUD data as of 2023, there were 217 mortgage originations in Middle Island, NY, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Middle Island, NY. Investor activity is low, as 0.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 217 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Middle Island, NY
Middle Island, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 316 |
Total Units Section 8 | 307 |
% Rentals under Section 8 | 15.9% |
% Occupied Section 8 | 88.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$190 | $2,340 | $2,150 |
| 2 Bedroom | -$60 | $2,540 | $2,480 |
| 3 Bedroom | N/A | N/A | $3,210 |
| 4 Bedroom | -$1,060 | $4,500 | $3,440 |
Affordability — Middle Island, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.3 |
| Median Home Price | $495,000 |
| Median Household Income | $92,000 |