Real Estate Investing in Commack, New York (11725)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Suffolk County • Population: 29,050 • Data updated: September 2026

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Should you buy in 11725 (Commack, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 25.2 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Commack, NY (11725)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $818,651
Avg Monthly Rent $2,709
1% Rule ✗ Does Not Meet
Median Income $168,786
% Renters 7.9%

Market Analysis: 11725 Commack

This part of Suffolk County is not an easy win. The 11725 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 11725 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Looking more closely, 11725 offers a low basis, the region around Commack has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 11725 ZIP's population of 29,050 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

The right play in 11725 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Commack:

C+ Average
Buy Confidence Score: 68/100
Affordability
10/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.9× the median income
Value Trend
Rising (+5.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,709/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 11725

Which property type performs best in this market?

Best for Cash Flow
3BR
3.8% cap rate
Best for Appreciation
5BR
+8.6% 5yr CAGR
Best Overall Value
5BR
$201,622/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $617,608 $3,010 3.5% +7.0% $308,804
3BR $746,650 $3,900 3.8% +8.2% $248,883
4BR $855,556 $4,130 3.5% +8.1% $213,889
5BR $1,008,111 +8.6% $201,622

Market Trends

Home Value History (with trend line)

$848K$762K$676K$590K$505K$419KJul 2006Jul 2016Jul 2026

📊 How Does 11725 Compare?

Metric 11725 Commack New York
Home Value $818,651 $818,651 $505,608
5-Year CAGR 5.9% 5.9% 6.6%
Avg Rent $2,709 $2,709 -
Cap Rate 2.6% 2.6% -
💡 Why Invest in 11725? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 11725 (Commack, NY). Anonymous, moderated, never written by AI.

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Property managers serving Suffolk County

Manage rentals here? List your business →

CXA Management provides property management services. summary from their website

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Eminent Properties Ltd is a property management company. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.6%
Low
5yr Growth
+5.9%
Moderate

📊 Market Snapshot

Home Value $818,651
Monthly Rent $2,709
Price-to-Rent 25.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.0%
Cap Rate 2.6%
5-Year IRR 8.5%

📈 Home Appreciation

1-Year +5.9% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +5.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
3.2%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.9%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 11725

Population: 29,050

💰 Median Household Income
$168,786
This area
$168,786
State
$86,376
USA
$74,580
🏠 Renter Occupied
7.9%
This area
7.9%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-24.2%
USA
3.7%
🎓 College Educated
57.6%
This area
57.6%
State
4.2%
USA
33.7%
👤 Median Age
43.4 years
This area
43.4 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
3.2%
This area
3.2%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 88.0%
Asian 5.6%
Other/Mixed 4.6%
Hispanic/Latino 3.0%
Black/African American 1.8%
👶 Under 18
21.7%
This area
21.7%
USA
22.0%
👴 65 and Over
17.1%
This area
17.1%
USA
17.3%
📊 Poverty Rate
1.4%
This area
1.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 11725

A+ Avg School Grade
7 Schools
11.7:1 Avg Class Size
$37,712 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

NORTH RIDGE SCHOOL

📚 K – 02 Elementary
👥
339 Students
👨‍🏫
11.7:1 Class Size
💰
$37,712 Per Student
A+ Excellent

SAWMILL INTERMEDIATE SCHOOL

📚 03 – 05 Elementary
👥
558 Students
👨‍🏫
9.2:1 Class Size
💰
$37,712 Per Student
A+ Excellent

WOOD PARK SCHOOL

📚 K – 02 Elementary
👥
282 Students
👨‍🏫
10.1:1 Class Size
💰
$37,712 Per Student
A+ Excellent

BURR INTERMEDIATE SCHOOL

📚 03 – 05 Elementary
👥
676 Students
👨‍🏫
12.7:1 Class Size
💰
$37,712 Per Student
A+ Excellent

COMMACK MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,334 Students
👨‍🏫
11.3:1 Class Size
💰
$37,712 Per Student
A+ Excellent

INDIAN HOLLOW SCHOOL

📚 K – 02 Elementary
👥
247 Students
👨‍🏫
14.3:1 Class Size
💰
$37,712 Per Student
A Very Good

COMMACK HIGH SCHOOL

📚 09 – 12 High School
👥
1,815 Students
👨‍🏫
12.6:1 Class Size
💰
$37,712 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

EAST NORTHPORT MIDDLE SCHOOL

📚 05 – 08 School
📍 1075 5TH AVE, EAST NORTHPORT
👥
621 Students
👨‍🏫
8.9:1 Class Size
💰
$38,450 Per Student
A+ Excellent

ELWOOD MIDDLE SCHOOL

📚 06 – 08 Middle
📍 478 ELWOOD RD, ELWOOD
👥
445 Students
👨‍🏫
9.1:1 Class Size
💰
$36,158 Per Student
A+ Excellent

ELWOOD/JOHN GLENN HIGH SCHOOL

📚 09 – 12 High School
📍 478 ELWOOD RD, ELWOOD
👥
676 Students
👨‍🏫
11.5:1 Class Size
💰
$36,158 Per Student
A+ Excellent

FIFTH AVENUE ELEMENTARY SCHOOL

📚 K – 04 Elementary
📍 1157 5TH AVE, EAST NORTHPORT
👥
377 Students
👨‍🏫
11.6:1 Class Size
💰
$38,450 Per Student
A+ Excellent

PULASKI ROAD SCHOOL

📚 K – 04 Elementary
📍 623 9TH AVE, EAST NORTHPORT
👥
355 Students
👨‍🏫
9.8:1 Class Size
💰
$38,450 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 2,407 Off-Campus Students
C+
Western Suffolk BOCES
274 students · 4.1 mi
C+
Long Island Beauty School-Hauppauge
119 students · 4.3 mi
C
New York Institute of Beauty
241 students · 5.5 mi
C
Five Towns College
723 students · 5.6 mi
C
Access Careers-Islandia
314 students · 6.1 mi
B
Farmingdale State College
9,541 students · 9.8 mi
B+
Stony Brook University
25,865 students · 9.8 mi
C+
Eastern Suffolk BOCES
31 students · 11.1 mi

Investor Insight: With 2,407 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the typical renter like in Commack, NY?

The tenant pool in Commack, NY is solid, supported by local employment and population fundamentals. Rents of $2,709/mo are well-absorbed by the market.

How should investors approach Commack, NY?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Commack, NY. The numbers - $819K homes against $2,709/mo rents - support that play.

How much does a house cost in Commack, NY?

Commack, NY home values average about $819K. That price point suits investors targeting rentals with $2,709/mo in monthly income.

Is Commack, NY landlord-friendly?

Commack, NY operates under NY law, which is tenant-protective overall for landlords. Expect reliable treatment in typical lease and eviction cases.

How quickly do rentals get leased in Commack, NY?

Occupancy in Commack, NY runs steady with elevated vacancy. Well-priced units at $2,709/mo lease on reasonable timelines.

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How 11725 ranks in New York-Newark-Jersey City, NY-NJ-PA

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