How much do homeowners pay a month in Shelter Island (community), NY?
Homeowners with a mortgage in Shelter Island (community), NY pay a median of $2,904 (±$291) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,500 or more.
62.1% of owned homes carry a mortgage.
In Shelter Island (community), the median monthly cost with a mortgage went from $2,362 in 2015–2019 to $2,904 in 2020–2024 (+22.9%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $2,904 (±$291)
- Without a mortgage
- $1,500 or more
- Owned with a mortgage
- 62.1%
Monthly owner costs in Shelter Island (community)
| Shelter Island (community) | Suffolk County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $2,904 (±$291) | $3,320 (±$17) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $1,500 or more | $1,478 (±$15) | $958 (±$5) | $638 |
| Owned homes with a mortgage | 62.1% (±22.0 points) | 62.4% (±0.6 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $4,174 (±$1,773) | $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 Shelter Island (community), 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, Shelter Island (community) ranks 96 of 112 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 209 of 404.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Shelter Island (community) have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $2,362 (±$624) | $2,904 (±$291) | +22.9% | No measurable change after inflation |
| Median real estate taxes | $3,988 (±$529) | $4,174 (±$1,773) | +4.7% | No measurable change after inflation |
| Median home value | $778,400 (±$112,227) | $1,025,400 (±$184,408) | +31.7% | No measurable change 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 Shelter Island (community)
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Shelter Island (community) | — | $2,904 (±$291) | — |
| Village of North Haven | 2.4 mi | $4,000 or more | — |
| Shelter Island Heights | 3.3 mi | $3,420 (±$674) | Not measurably different |
| Village of Sag Harbor | 4.2 mi | $4,000 or more | — |
| Village of Greenport | 4.9 mi | $3,062 (±$558) | Not measurably different |
| Northwest Harbor | 4.9 mi | $4,000 or more | — |
| Greenport West | 5.2 mi | $3,195 (±$378) | Not measurably different |
| East Marion | 5.9 mi | $3,733 (±$493) | Higher |
| Noyack | 5.9 mi | $4,000 or more | — |
Nearby places with a measurably higher figure: East Marion, NY ($3,733).
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 |
|---|---|---|
| 90 | East Patchogue | $3,065 (±$163) |
| 91 | Farmingville | $3,034 (±$215) |
| 92 | North Babylon | $3,000 (±$123) |
| 93 | Coram | $2,996 (±$158) |
| 94 | Jamesport | $2,923 (±$723) |
| 95 | Selden | $2,913 (±$91) |
| 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) |
Showing 13 of 112 places in Suffolk County, ranked from highest to lowest.
Shelter Island (community) 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 Shelter Island, 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.
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Questions about Shelter Island (community)
What is the average mortgage payment in Shelter Island (community)?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Shelter Island (community), NY is $2,904 (±$291) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Shelter Island (community)?
Owners without a mortgage in Shelter Island (community) pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Shelter Island (community) gone up?
In Shelter Island (community), the median monthly cost with a mortgage went from $2,362 in 2015–2019 to $2,904 in 2020–2024 (+22.9%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Shelter Island CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Shelter Island CDP, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Shelter Island CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Shelter Island CDP, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Shelter Island CDP, New York
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
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 Shelter Island CDP, New York (place:66828, 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.
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.
Figures last updated on .
Related
- Housing in Shelter Island (community) at a glance
- Home values in Shelter Island (community)
- Property taxes in Shelter Island (community)
- Types of homes in Shelter Island (community)
- Age of homes in Shelter Island (community)
- Heating fuel in Shelter Island (community)
- Population growth in Shelter Island (community)
- New York landlord and tenant rules
- Housing across Suffolk County
- Housing data for every place in New York