How much do homeowners pay a month in Stony Brook, NY?
Homeowners with a mortgage in Stony Brook, NY pay a median of $3,956 (±$285) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,500 or more.
57.4% of owned homes carry a mortgage.
In Stony Brook, the median monthly cost with a mortgage went from $3,397 in 2015–2019 to $3,956 in 2020–2024 (+16.5%).
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
- $3,956 (±$285)
- Without a mortgage
- $1,500 or more
- Owned with a mortgage
- 57.4%
Monthly owner costs in Stony Brook
| Stony Brook | Suffolk County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $3,956 (±$285) | $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 | 57.4% (±5.5 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 Stony Brook, the median cost with a mortgage is higher 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, Stony Brook ranks 24 of 112 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 65 of 404.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Stony Brook have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $3,397 (±$304) | $3,956 (±$285) | +16.5% | No measurable change after inflation |
| Median home value | $461,800 (±$11,871) | $623,300 (±$16,998) | +35.0% | 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 Stony Brook
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Stony Brook | — | $3,956 (±$285) | — |
| Village of Head of the Harbor | 1.9 mi | $4,000 or more | — |
| East Setauket | 2.0 mi | $3,856 (±$177) | Not measurably different |
| St. James | 2.5 mi | $3,746 (±$246) | Not measurably different |
| Town of Smithtown | 2.7 mi | $3,809 (±$72) | Not measurably different |
| Setauket | 2.9 mi | $4,000 or more | — |
| Village of Nissequogue | 3.1 mi | $4,000 or more | — |
| Port Jefferson Station | 3.5 mi | $3,281 (±$254) | Lower |
| Village of Lake Grove | 3.5 mi | $3,550 (±$221) | Lower |
Nearby places with a measurably lower figure: Port Jefferson Station, NY ($3,281), Village of Lake Grove, NY ($3,550).
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 |
|---|---|---|
| 1 (tie) | Noyack | $4,000 or more |
| 1 (tie) | Remsenburg-Speonk | $4,000 (±$584) |
| 1 (tie) | Setauket | $4,000 or more |
| 1 (tie) | Tuckahoe (community) | $4,000 or more |
| 1 (tie) | Water Mill | $4,000 or more |
| 23 | Elwood | $3,973 (±$319) |
| 24 | Stony Brook | $3,956 (±$285) |
| 25 | Nesconset | $3,909 (±$288) |
| 26 | Bayport | $3,899 (±$406) |
| 27 | Smithtown (community) | $3,898 (±$127) |
| 28 (tie) | Commack | $3,856 (±$118) |
| 28 (tie) | East Setauket | $3,856 (±$177) |
| 30 | Shinnecock Hills | $3,830 (±$661) |
Showing 13 of 112 places in Suffolk County, ranked from highest to lowest.
Stony Brook 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.
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Questions about Stony Brook
What is the average mortgage payment in Stony Brook?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Stony Brook, NY is $3,956 (±$285) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Stony Brook?
Owners without a mortgage in Stony Brook pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Stony Brook gone up?
In Stony Brook, the median monthly cost with a mortgage went from $3,397 in 2015–2019 to $3,956 in 2020–2024 (+16.5%).
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 — Stony Brook CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Stony Brook CDP, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Stony Brook CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Stony Brook CDP, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Stony Brook 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 Stony Brook CDP, New York (place:71608, 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 .
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