How much do homeowners pay a month in Rocky Point, NY?

Name: Homeowner costs in Rocky Point, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Rocky Point, NY pay a median of $2,790 (±$124) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,310 (±$106).

74.7% of owned homes carry a mortgage.

In Rocky Point, the median monthly cost with a mortgage went from $2,607 in 2015–2019 to $2,790 in 2020–2024 (+7.0%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $2,790 (±$124)
Without a mortgage: $1,310 (±$106)
Owned with a mortgage: 74.7%

Monthly owner costs in Rocky Point

Median selected monthly owner costs, estimate (90% margin of error)
	Rocky Point	Suffolk County	New York	United States
With a mortgage	$2,790 (±$124)	$3,320 (±$17)	$2,555 (±$9)	$1,963
Without a mortgage	$1,310 (±$106)	$1,478 (±$15)	$958 (±$5)	$638
Owned homes with a mortgage	74.7% (±4.2 points)	62.4% (±0.6 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Rocky Point, the median cost with a mortgage is lower than in Suffolk County ($3,320).

It is also higher than in New York ($2,555).

It is higher than the national figure ($1,963).

In Suffolk County, Rocky Point ranks 102 of 112 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 221 of 404.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Rocky Point have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,607 (±$121)	$2,790 (±$124)	+7.0%	Down after inflation
Median home value	$301,400 (±$13,155)	$461,400 (±$17,805)	+53.1%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Rocky Point

Nearest places with a published estimate, compared with Rocky Point
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Rocky Point	—	$2,790 (±$124)	—
Village of Shoreham	1.9 mi	$4,000 or more	—
Sound Beach	2.4 mi	$2,637 (±$210)	Not measurably different
Miller Place	3.0 mi	$4,000 or more	—
East Shoreham	3.3 mi	$3,662 (±$225)	Higher
Middle Island	3.4 mi	$2,722 (±$282)	Not measurably different
Ridge	3.6 mi	$2,872 (±$168)	Not measurably different
Mount Sinai	4.4 mi	$3,344 (±$143)	Higher
Gordon Heights	5.4 mi	$3,220 (±$100)	Higher

Nearby places with a measurably higher figure: East Shoreham, NY ($3,662), Mount Sinai, NY ($3,344), Gordon Heights, NY ($3,220).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Suffolk County, place by place

Rank	Place	Median monthly cost with a mortgage
96	Shelter Island (community)	$2,904 (±$291)
97	Baywood	$2,896 (±$134)
98	Central Islip	$2,873 (±$79)
99	Ridge	$2,872 (±$168)
100	North Bay Shore	$2,866 (±$148)
101	Yaphank	$2,865 (±$253)
102	Rocky Point	$2,790 (±$124)
103	Mastic	$2,772 (±$97)
104	Middle Island	$2,722 (±$282)
105	Shirley	$2,712 (±$85)
106	Calverton	$2,693 (±$768)
107	Riverhead (community)	$2,682 (±$222)
108	North Bellport	$2,651 (±$189)

Showing 13 of 112 places in Suffolk County, ranked from highest to lowest.

Rocky Point is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside the Town of Brookhaven, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Rocky Point

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Rocky Point beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Rocky Point, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Rocky Point, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Rocky Point

What is the average mortgage payment in Rocky Point?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Rocky Point, NY is $2,790 (±$124) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Rocky Point?

Owners without a mortgage in Rocky Point pay a median of $1,310 (±$106) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Rocky Point gone up?

In Rocky Point, the median monthly cost with a mortgage went from $2,607 in 2015–2019 to $2,790 in 2020–2024 (+7.0%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Rocky Point CDP, New York (place:63319, in state:36).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.