The typical owner-occupied home in East Setauket is worth about $637,800, 50% above the New York median of $423,800 and 92% above the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 1.57% of their home's value, close to the New York rate of 1.55%. The median household earns $151,603 a year, so the median home costs 4.2 times the median income (4.9 times for New York). 88% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
East Setauket at a glance
| East Setauket | New York | U.S. | |
|---|---|---|---|
| Median home value | $637,800 | $423,800 | $332,700 |
| Median property tax paid per year | $10,001 | $6,582 | $3,119 |
| Property tax as a share of value | 1.57% | 1.55% | 0.94% |
| Median household income | $151,603 | $85,974 | $80,734 |
| Homes lived in by their owners | 88% | 54% | 65% |
| Owner homes with a mortgage | 61% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $3,856 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 25.1% | 22.5% | 21.0% |
| Median rent | $2,178 | $1,621 | $1,413 |
| Rent as a share of renters' income | 34.9% | 31.2% | 30.6% |
| Median year homes were built | 1971 | 1959 | 1980 |
| Vacant homes | 7.0% | 10.0% | 10.1% |
| Population | 10,149 | 19,852,366 | 334,922,499 |
What a typical home costs per month in East Setauket
At this week's average 30-year rate of 7.11%, buying the median East Setauket home of $637,800 with 20% down costs about $4,533 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,595, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $194,256 for the 20%-down payment. That payment is 36% of the median East Setauket household income of $151,603; at that income and 20% down, the 28% guideline points to a home of about $498,000.
The median rent here is $2,178 a month, so owning the median home costs about $2,355 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $127,560 |
|---|---|
| Loan amount | $510,240 |
| Principal and interest | $3,432 |
| Property taxes (1.57% a year) | $834 |
| Homeowners insurance (our estimate, 0.5% a year) | $266 |
| PMI | $0 |
| Total per month | $4,533 |
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| Down payment | $22,323 |
|---|---|
| Loan amount | $626,248 |
| Principal and interest | $4,213 |
| Property taxes (1.57% a year) | $834 |
| Homeowners insurance (our estimate, 0.5% a year) | $266 |
| FHA mortgage insurance | $282 |
| Total per month | $5,595 |
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Questions about home buying in East Setauket
What is the median home value in East Setauket?
About $637,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in East Setauket?
Homeowners pay a median $10,001 a year, which is about 1.57% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in East Setauket?
For the median home with 20% down at 7.11%, the payment is about $4,533 a month. Keeping that under 28% of gross income takes about $194,256 a year.
More about East Setauket
- Mortgage Refinance in East Setauket
- Debt Relief in East Setauket
- Home Equity Loans in East Setauket
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data