Cutchogue, NY—11935
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cutchogue, NY
As of Oct '25, the median home price in Cutchogue, NY is $1,205,000, with a year-over-year change of 0.5%. This indicates that home prices in Cutchogue, NY are flat. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,205,000 | 0.5% |
| Single Family | $1,209,000 | 0.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $1,140,000 | 2.3% |
4 Bed | $1,426,000 | 3.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cutchogue, NY
As of July '25, Rentcast reports the average rent in Cutchogue, NY is $6,810, with a year-over-year rent change of 10.6%. Per bedroom, the median rent as of July '25 in Cutchogue, NY is 2-bedrooms: $6,670, 3-bedrooms: $6,220, 4-bedrooms: $9,500. The most common rental property sizes in Cutchogue, NY are 3-bedroom and 5+ bedroom, accounting for 48.9% and 19.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $8,000 | $6,810 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $8,000 | $6,670 |
| 3 Bed Rent | $5,500 | $6,220 |
| 4 Bed Rent | $9,500 | $9,500 |
% of Rental Stock
Property Listings — Cutchogue, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Cutchogue, NY is 93. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 24.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,780,000 | 17.0% |
Listing Count | 34 | -24.0% |
| Listings as % of Homes | 1.1% | -24.0% |
Days on Market | 93 | -3.0% |
Demographics — Cutchogue, NY
As of the latest ACS Survey released in 2023, Cutchogue, NY has a population of 2,950, which has decreased by -7.9% over the past 5 years. Cutchogue, NY is a less popular place for families, as children make up 11.5% of the population. The area has a highly educated workforce, with 55.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 23.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,950 | -7.9% |
% Under 18 | 11.5% | -37.2% |
% Seniors | 33.0% | 14.6% |
% WFH | 23.7% | 149.5% |
% w/ College Degree | 55.4% | 19.1% |
As of the latest ACS Survey released in 2023, Cutchogue, NY is a predominantly white area, with 92.4% of the population identifying as white. The white population has shrunk by 2.6% in the last 5 years. The second most common race or ethnicity in Cutchogue, NY is hispanic, making up 5.7% of the population. Foreign-born residents account for 9.2% of the population in Cutchogue, NY, and this percentage has decreased by 14.0% 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 | 92.4% | -2.6% |
% Black | 0.1% | -85.7% |
% Hispanic | 5.7% | 96.6% |
% Asian | 0.5% | -66.7% |
% Foreign Born | 9.2% | -14.0% |
Mortgage and Risk — Cutchogue, NY
According to HUD data as of 2023, there were 66 mortgage originations in Cutchogue, NY, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 44.0%, with 3.0% above 90% LTV (normal). This implies small mortgage risk in Cutchogue, NY. Investor activity is low, as 2.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 66 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 2.0% |
% Second Loans | 29.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Cutchogue, NY
Cutchogue, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 8 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 5.9% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,240 |
| 2 Bedroom | -$5,420 | $8,000 | $2,580 |
| 3 Bedroom | -$2,160 | $5,500 | $3,340 |
| 4 Bedroom | -$5,920 | $9,500 | $3,580 |
Affordability — Cutchogue, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.9 |
| Median Home Price | $1,205,000 |
| Median Household Income | $138,000 |