How much do homeowners pay a month in the Town of Smithtown, NY?
Homeowners with a mortgage in the Town of Smithtown, NY pay a median of $3,809 (±$72) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,500 or more.
62.0% of owned homes carry a mortgage.
In the Town of Smithtown, the median monthly cost with a mortgage went from $3,209 in 2015–2019 to $3,809 in 2020–2024 (+18.7%).
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 .
- With a mortgage
- $3,809 (±$72)
- Without a mortgage
- $1,500 or more
- Owned with a mortgage
- 62.0%
Monthly owner costs in the Town of Smithtown
| Town of Smithtown | Suffolk County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $3,809 (±$72) | $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 | 62.0% (±1.7 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 the Town of Smithtown, 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, the Town of Smithtown ranks 3 of 11 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 21 of 999.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in the Town of Smithtown have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $3,209 (±$47) | $3,809 (±$72) | +18.7% | Down after inflation |
| Median home value | $486,300 (±$3,753) | $669,900 (±$6,302) | +37.8% | 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 the Town of Smithtown
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Town of Smithtown | — | $3,809 (±$72) | — |
| Village of Nissequogue | 1.2 mi | $4,000 or more | — |
| Village of Head of the Harbor | 1.7 mi | $4,000 or more | — |
| Stony Brook | 2.7 mi | $3,956 (±$285) | Not measurably different |
| Setauket | 3.9 mi | $4,000 or more | — |
| Village of Old Field | 4.1 mi | $4,000 or more | — |
| East Setauket | 4.4 mi | $3,856 (±$177) | Not measurably different |
| Village of Village of the Branch | 4.5 mi | $3,932 (±$292) | Not measurably different |
| Village of Poquott | 5.1 mi | $3,875 (±$803) | Not measurably different |
None of the nearby places differs measurably from this one on this figure.
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 | Town of East Hampton | $3,891 (±$212) |
| 2 | Town of Huntington | $3,889 (±$82) |
| 3 | Town of Smithtown | $3,809 (±$72) |
| 4 | Town of Southampton | $3,593 (±$143) |
| 5 | Town of Southold | $3,498 (±$242) |
| 6 | Town of Islip | $3,222 (±$33) |
| 7 | Town of Babylon | $3,206 (±$53) |
| 8 | Poospatuck Reservation | $3,114 (±$868) |
| 9 | Town of Brookhaven | $3,101 (±$34) |
Showing 9 of 11 places in Suffolk County, ranked from highest to lowest.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Smithtown include them.
The figures for the Town of Smithtown include the places inside it that have pages of their own: Commack, Hauppauge, Kings Park, Nesconset, St. James, Smithtown (community).
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 Town of Smithtown
What is the average mortgage payment in the Town of Smithtown?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Smithtown, NY is $3,809 (±$72) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in the Town of Smithtown?
Owners without a mortgage in the Town of Smithtown pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in the Town of Smithtown gone up?
In the Town of Smithtown, the median monthly cost with a mortgage went from $3,209 in 2015–2019 to $3,809 in 2020–2024 (+18.7%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Smithtown town, Suffolk County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Smithtown town, Suffolk County, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Smithtown town, Suffolk County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Smithtown town, Suffolk County, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Smithtown town, Suffolk County, 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 Smithtown town, Suffolk County, New York (county subdivision:68000, in state:36 county:103).
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
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- Renters and owners in the Town of Smithtown
- Income and affordability in the Town of Smithtown
- Home values in the Town of Smithtown
- Property taxes in the Town of Smithtown
- Types of homes in the Town of Smithtown
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- Age of homes in the Town of Smithtown
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- Heating fuel in the Town of Smithtown
- Commute and cars in the Town of Smithtown
- Population growth in the Town of Smithtown
- How long people stay in the Town of Smithtown
- Crowding and facilities in the Town of Smithtown
- New York landlord and tenant rules
- Housing across Suffolk County
- Housing data for every place in New York