Photo: Intelligentlove at English Wikipedia · Public domainEven on the area’s higher pay, Patchogue costs more to live in than 97% of U.S. towns
It ranks #687 of 757 in New York for affordability. Up 4.8% in a year, 15% above the New York typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the New York-Newark-Jersey City, NY-NJ metro area ($99K). How TownRatings grades cost of living
The grade measures what housing costs against what households in the area earn. Patchogue’s area earns well above the typical U.S. town ($99K against $74K), but homes, rent and taxes here run higher still. Owners keep up better than renters: 33% of owners pay 30% or more of income for housing (typical U.S. town: 20%), against 58% of renters.
In dollars
- $603Ktypical home, 15% above the New York typical homeZillow, September 2026
- $2,470a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 113prices across the New York metro, where the U.S. is 100 (housing 149)BEA Regional Price Parities, 2024
In paychecks the grade
- 4.8 yrsof area income buys the typical home; the typical U.S. town: 3.3$99K, New York-area income
- 27%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 58%of renters pay 30%+ of income for housing; across New York: 52%Census 2020–24
- 33%of owners do; the typical U.S. town: 20%Census 2020–24
The short version on homes in Patchogue
A burst of building in 2025
Patchogue permitted 270 new homes in 2025, 99% of them in buildings with two or more homes, against about 8 in a typical year of the past decade. That’s 22 per 1,000 residents, against 1.8 across New York. New homes ↓
About two in three homes sell above asking
In September, 63% of the homes that sold went for more than the asking price and 7.4% went under contract within two weeks. There were about 2.2 months of homes for sale at that pace, against 3.9 across New York: 33 listings for 16 sales that month. Expect competition on well-priced homes. How fast homes sell ↓
Most new homes are apartments and condos
Of the 342 homes permitted in Patchogue’s past 10 years, 89% were in buildings with two or more homes, not single-family houses. New homes ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; sales and supply are Redfin’s for September 2026; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Patchogue’s grade
Measured against what households in the area earn, Patchogue is more affordable than 3% of U.S. towns, #687 of 757 in New York. The share of households paying 30%+ for housing pulls the grade down most; home prices hold it up.
Prices here have kept pace with New York: up 32.0% in five years, against 29.7% statewide (Zillow).
Up 32% in five years
About the same pace as New York (29.7%).
Show as a table
| January | Patchogue | New York |
|---|---|---|
| 2017 | $303,000 | $296,000 |
| 2018 | $324,000 | $314,000 |
| 2019 | $356,000 | $335,000 |
| 2020 | $384,000 | $350,000 |
| 2021 | $421,000 | $376,000 |
| 2022 | $469,000 | $414,000 |
| 2023 | $490,000 | $434,000 |
| 2024 | $524,000 | $455,000 |
| 2025 | $566,000 | $486,000 |
| 2026 | $582,000 | $506,000 |
| September 2026 | $603,000 | $525,000 |
A typical Patchogue home worth $298K in October 2016 is worth about $603K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
Too few sales to read the market
Only 16 homes sold in September 2026, the latest month in Redfin’s figures: too few to describe the market or quote a median sale price.
A typical home costs 4.8 years of area income
The calculator starts from the area income the grade uses. Switch to Patchogue’s own median, or type yours.
That’s $249K short of a typical Patchogue home.
A two-bedroom rents for about $2,470 a month here, $1,470 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, the New York typical property tax (1.55% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $2,470
Renters already here pay a median of $2,263.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Nassau-Suffolk, NY HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
270 new homes permitted in 2025
Builders were permitted 270 new homes in Patchogue in 2025: 2 single-family houses and 268 in buildings with two or more homes, worth about $86.2 million to build. That's 22 per 1,000 residents, faster than across New York (1.8). Over the past 10 years, Patchogue has permitted 342 homes in all.
Between the 2010 and 2020 censuses, Patchogue gained 610 residents while 356 new homes were permitted: about 1.7 new residents per new home, about the same as across New York (2.2).
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 139 | 0 | 139 | $44.6 million |
| 2025 | 270 | 2 | 268 | $86.2 million |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 16 | 4 | 12 | $6 million |
| 2022 | 21 | 7 | 14 | $3.8 million |
| 2021 | 13 | 1 | 12 | $3.7 million |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 6 | 6 | 0 | $2.1 million |
| 2018 | 4 | 4 | 0 | $995,000 |
| 2017 | 1 | 1 | 0 | $291,000 |
| 2016 | 11 | 11 | 0 | $3.1 million |
| 2015 | 35 | 29 | 6 | $10.4 million |
| 2014 | 57 | 57 | 0 | $16.2 million |
| 2013 | 45 | 16 | 29 | $7.8 million |
| 2012 | 173 | 0 | 173 | $30 million |
| 2011 | 24 | 24 | 0 | $8.4 million |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 45 | 0 | 45 | $16 million |
| 2008 | 3 | 3 | 0 | $661,000 |
| 2007 | 18 | 18 | 0 | $1.5 million |
| 2006 | 23 | 23 | 0 | $1.7 million |
| 2005 | 26 | 26 | 0 | $2.8 million |
| 2004 | 8 | 8 | 0 | $1.2 million |
| 2003 | 10 | 10 | 0 | $1.5 million |
| 2002 | 9 | 9 | 0 | $1.3 million |
| 2001 | 10 | 10 | 0 | $1.4 million |
| 2000 | 4 | 4 | 0 | $482,000 |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Property tax runs above the New York norm
The median bill is $10,000+ (New York: $6,582), 2.09%+ of a home’s value a year, against 1.55% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Patchogue
Only figures published free for the whole country, each labeled with the area it covers: the New York-Newark-Jersey City, NY-NJ metro area, or New York. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 113 | NY 108 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 110 | NY 107 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 127 | NY 134 | metro | BEA, 2024 |
| Other services U.S. = 100 | 106 | NY 104 | metro | BEA, 2024 |
| Electricity cents per kWh, homes | 29.9¢ | U.S. 18.3¢ | state | EIA, July 2026 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Patchogue vs. its neighbors
Of the 2 towns here with a Zillow value, Patchogue has the lowest. East Patchogue and North Patchogue have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Patchogue | D− | $603K | $478K | 2.09%+ | $2,470 |
| Blue Point | – | $714K | $615K | 1.63%+ | $2,640 |
| North Patchogue | – | — | $451K | 2.22%+ | $2,470 |
| East Patchogue | – | — | $479K | 2.04% | $2,490 |
“+”: the Census reports the tax bill only as $10,000 or more, so the rate is at least that. “—” under Cost: not graded (too little Census data, or under 1,000 residents). “—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Patchogue
Is Patchogue expensive to live in?
Measured against what households in the area earn, Patchogue costs more than 97% of U.S. towns: a D− for cost of living, #687 of 757 in New York. The typical home costs 4.8 years of the median household income of the New York-Newark-Jersey City, NY-NJ metro area ($99K).
How much does a house cost in Patchogue?
About $603K, Zillow’s typical value for September 2026, up 4.8% in a year. The New York typical home is $525K.
What salary do you need to live in Patchogue?
To buy the typical home with 20% down at 6.3%, about $169,000 a year, keeping the payment (about $3,940 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $99,000.
How much is rent in Patchogue?
HUD puts a two-bedroom at about $2,470 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $2,263 (Census 2020–24).
What are property taxes in Patchogue?
The median bill is $10,000+ a year, 2.09% of the median home value (New York: $6,582, 1.55%), from the Census 2020–24.
Are home prices in Patchogue going up?
Yes: up 4.8% in the past year and 32.0% in five years, against 29.7% across New York (Zillow).
Neighbors talk housing
What Patchogue buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.