New Listing
22
$300,000
355 Route 111 Unit 42
Smithtown, NY 11787
2 bd1 ba830 sqft$361/ft²
coop2.89 acres
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Smithtown, NY Housing Market
Balanced market+7.5% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Smithtown, NY is worth $828,649, rose 7.5% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $800,000, +8.3% year over year (through May 2026). With 4.6 months of supply and homes going under contract in about 23 days, Smithtown is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $828,649 home is about $4,424/mo in principal and interest.
Key numbers for Smithtown, NY
Typical home value
$828,649
+7.5% in 12 months
Zillow, August 2026
Typical asking rent
$3,300/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$800,000
+8.3% year over year
Redfin, through May 2026
Days on market
23
Average pace
Redfin, through May 2026
Active listings
41
4.6 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$148,852
Home costs 5.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
101.9%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Smithtown a buyer's or seller's market?
Balanced market4.6 months of supply23 days on market101.9% of asking
Smithtown, NY is a balanced market, based on 4.6 months of supply and homes selling in about 23 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Smithtown housing market data show?
Every row below is Redfin's final published month for Smithtown, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $800,000 |
| Median list price | $850,000 |
| Year-over-year price change | +8.3% |
| Median price per sq ft | $350/sq ft |
| Median days on market | 23 days |
| Active inventory | 41 listings |
| Months of supply | 4.6 months |
| Sale-to-list price ratio | 101.9% |
| Homes sold (that month) | 9 |
| New listings (that month) | 27 |
| Listings with a price cut | 17.1% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Smithtown is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Smithtown is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Smithtown home prices moved?
Over the last three years the median sale price in Smithtown, NY rose 4.6%, from $765,000 to $800,000. The live Zillow value series has rose 7.5% in the last 12 months, which is the more current read now that Redfin's series has stopped. 17.1% of Smithtown listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 4.6 months while the sale-to-list ratio slips below its current 101.9%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Smithtown?
Priced off the typical home value of $828,649 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $165,730 | $662,919 | $4,424/mo |
| 5% | $41,432 | $787,217 | $5,253/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,424, that implies roughly $189,591 a year before you add taxes and insurance. The median household in Smithtown earns $148,852, about $40,739 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.6x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Smithtown in the next 12 months?
Tell us your timeline. We send the Smithtown market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Smithtown?
Typical asking rent in Smithtown, NY is $3,300/mo, against a typical home value of $828,649. That is a price-to-rent ratio of 20.9x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $4,424 a month — $1,124 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Smithtown?
Active listings in Smithtown, NY went from 34 in May 2025 to 41 in May 2026, a +20.6% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 38 | 32 |
| July 2025 | 45 | 27 |
| August 2025 | 43 | 13 |
| September 2025 | 40 | 27 |
| October 2025 | 38 | 20 |
| November 2025 | 29 | 10 |
| December 2025 | 21 | 5 |
| January 2026 | 21 | 14 |
| February 2026 | 15 | 10 |
| March 2026 | 23 | 22 |
| April 2026 | 32 | 29 |
| May 2026 | 41 | 27 |
Redfin, through May 2026
How does Smithtown compare to New York and the U.S.?
Smithtown homes sell for $800,000 — 29% above the New York median of $620,500. Against the national median of $410,700, Smithtown runs 95% higher. Year-over-year, Smithtown moved +8.3% against New York's +5.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Smithtown, NY | $800,000 | +8.3% | 23 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Smithtown
What buyers should watch
- Months of supply, currently 4.6. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 17.1%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $829 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $828,649 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Smithtown listing goes under contract in 23 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 101.9% of asking. Price at the number you want and let competition do the rest.
- In the last published month Smithtown added 27 new listings against 9 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +7.5% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Smithtown varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Smithtown
There are currently 41 homes listed for sale in Smithtown, New York. The median listing price is $850K. Featured listings range from $300,000 to $1,499,000.
New Listing
9
$399,999
215 Terry Rd Apt 9A
Smithtown, NY 11787
2 bd1 ba1,100 sqft$364/ft²
coop
Signature Premier Properties
View photos & details
New Listing
42
$649,000
263 N Country Rd
Smithtown, NY 11787
3 bd3 ba1,561 sqft$416/ft²
House27,443 sqft lot
Century 21 AA Realty
View photos & details
New Listing
31
$699,888
240 Pond View Ln
Smithtown, NY 11787
2 bd3 ba1,495 sqft$468/ft²
Condo436 sqft lot
Signature Premier Properties
View photos & details
New Listing
22
$699,999
157 Hidden Ponds Cir
Smithtown, NY 11787
2 bd3 ba1,576 sqft$444/ft²
Condo436 sqft lot
Douglas Elliman Real Estate
View photos & details
New Listing
35
$729,990
12 Stone Gate Ct
Smithtown, NY 11787
3 bd3 ba1,805 sqft$404/ft²
Condo436 sqft lot
Douglas Elliman Real Estate
View photos & details
New Listing
$798,000
7 Monitor Rd
Smithtown, NY 11787
3 bd3 ba1,970 sqft$405/ft²
House1,742 sqft lot
Kerrigan Country Realty
View photos & details
New Listing
50
$849,000
64 Marquette Dr
Smithtown, NY 11787
4 bd2 ba2,200 sqft$386/ft²
House13,068 sqft lot
Douglas Elliman Real Estate
View photos & details
New Listing
41
$849,000
12 Darling Ave
Smithtown, NY 11787
4 bd2 ba
House13,939 sqft lot
Signature Premier Properties
View photos & details
New Listing
35
$989,000
330 Edgewood Ave
Smithtown, NY 11787
4 bd3 ba2,546 sqft$388/ft²
House1.00 acres
Gotham City Realty Group LLC
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36
$1,150,000
1 Valley Ave
Smithtown, NY 11787
3 bd3 ba2,600 sqft$442/ft²
House1.51 acres
Compass Greater NY LLC
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New Listing
40
$1,499,000
2 Three Pond Rd
Smithtown, NY 11787
5 bd4 ba2,788 sqft$538/ft²
House40,946 sqft lot
Howard Hanna Coach
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Looking to buy in Smithtown?
Get connected with a local real estate expert — free, no obligation.
Active listings
41
Homes on market
Median list price
$850K
Avg. days on market
23
Days until sale
New this week
27
Newly listed
Price drops:17.1%of listings
Sale-to-list:101.9%
How much do homes cost in Smithtown by property type?
How the Smithtown, NY market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $813,500 | $359/sq ft | 6 | 25 days |
| Condo / co-op | $282,500 | $323/sq ft | 2 | 31 days |
Who lives in Smithtown?
American Community Survey estimates for Smithtown. U.S. Census ACS, 2023
Population
24,940
Households
8,244
Median income
$148,852/yr
Median age
47.5 years
Owner-occupied
88.1%
Median home value
$661,400
Median gross rent
$1,851/mo
Mean commute
32.9 min
88.1% of occupied homes in Smithtown are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $661,400 against Zillow's $828,649 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,851/mo, below Zillow's $3,300/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Smithtown?
8 schools tracked · 4,513 students
The largest public schools serving Smithtown, NY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
SMITHTOWN HIGH SCHOOL-WEST
Grades 9-12 · 1,238 students
ACCOMPSETT ELEMENTARY SCHOOL
Grades K-5 · 532 students
ACCOMPSETT MIDDLE SCHOOL
Grades 6-8 · 523 students
MOUNT PLEASANT ELEMENTARY SCHOOL
Grades K-5 · 506 students
SMITHTOWN ELEMENTARY SCHOOL
Grades K-5 · 493 students
PINES ELEMENTARY SCHOOL
Grades PK-5 · 488 students
DOGWOOD ELEMENTARY SCHOOL
Grades K-5 · 367 students
FOREST BROOK ELEMENTARY SCHOOL
Grades PK-5 · 366 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Smithtown, NY?
Ordered by distance from Smithtown, not by size. Compare Smithtown side by side with any of them.
Which ZIP codes are in Smithtown?
These are the ZIP codes we see on active Smithtown listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Smithtown housing market FAQ
Is Smithtown a buyer's or seller's market?
Smithtown, NY is currently a balanced market. That read comes from 4.6 months of supply, homes going under contract in about 23 days, and sellers getting 101.9% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Smithtown?
The typical home in Smithtown, NY is worth $828,649 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $800,000, about $350 per square foot.
Is Smithtown cheaper than the rest of New York?
Smithtown's median sale price of $800,000 is 29% higher than the New York statewide median of $620,500, and 95% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Smithtown?
Homes in Smithtown, NY spent a median of 23 days on market before going under contract, versus 42 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Smithtown?
At the current 30-year fixed rate of 7.03%, 20% down on a $828,649 home is about $4,424 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $189,591 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $148,852.
Are home prices rising in Smithtown?
The typical home value in Smithtown, NY rose 7.5% over the last 12 months, from $771,182 to $828,649 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Smithtown?
Smithtown ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Smithtown?
That depends on your timeline, not on a headline. What the data says today: Smithtown, NY is a balanced market with 4.6 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 20.9x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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