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  4. /Cutchogue, NY - 11935

Cutchogue, NY—11935

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$1,254,000
4.3% YoY Growth
Household Income
$138,000
46.5% YoY Growth
Days on Market
51
12.0% Shorter YoY
Home Price Forecast
3.2%
Median Rent
$8,000
10.6% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
$8,000
5.4% YoY Growth
3-Bed Rent
$5,500
19.7% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cutchogue, NY

As of May '26, the median home price in Cutchogue, NY is $1,254,000, with a year-over-year change of 4.3%. This indicates that home prices in Cutchogue, NY are increasing. According to Zillow, the 1-year price projection is 3.2%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$1,254,0004.3%
Single Family $1,256,0003.5%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

Browse ZIP Codes by State

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  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		N/AN/A
    3 Bed
    		$1,185,0005.5%
    4 Bed
    		$1,498,0006.2%
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    2.1%
    1 Bedroom
    0.2%
    2 Bedrooms
    13.0%
    3 Bedrooms
    49.7%
    4 Bedrooms
    24.2%
    5+ Bedrooms
    10.9%

    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.

    TypeMedian RentAverage Rent
    Average Rent$8,000$6,810
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent $8,000$6,670
    3 Bed Rent $5,500$6,220
    4 Bed Rent $9,500$9,500
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    % of Rental Stock

    Studio
    14.1%
    1 Bedroom
    3.0%
    3 Bedrooms
    48.9%
    4 Bedrooms
    14.8%
    5+ Bedrooms
    19.3%

    Property Listings — Cutchogue, NY

    As of May '26, Realtor.com reports that the median days on market for a home in Cutchogue, NY is 51. This is a decrease of -12.0% 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 13.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$1,900,00029.0%
    Listing Count
    		30-1.0%
    Listings as % of Homes1.1%-1.0%
    Days on Market
    		51-12.0%
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    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.

    MetricLatest CensusYoY % 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%
    Loading chart...

    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

    MetricLatest Census5-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%
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    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

    MetricZip 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%
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    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 SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/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

    MetricZip Code Average
    Home Price to Income Ratio8.1
    Median Home Price$1,254,000
    Median Household Income$138,000

    Cutchogue, NY — ZIP Code Boundary Map

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    Frequently Asked Questions