Real Estate Investing in Shoreham, New York (11786)

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

Suffolk County • Population: 6,348 • Data updated: September 2026

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Should you buy in 11786 (Shoreham, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

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
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

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

What’s happening in Shoreham, NY (11786)?

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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 $770,681
Avg Monthly Rent $3,078
1% Rule ✗ Does Not Meet
Median Income $162,143
% Renters 3.8%

Market Analysis: 11786 Shoreham

The 11786 ZIP covers a section of Shoreham that demands careful diligence. Prices near $771K look accessible, but the work to make a deal cash flow is real.

The investment case in 11786 is sturdy only for operators who understand what they are buying. A $771K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Statewide comparisons place 11786 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The 11786 ZIP's population of 6,348 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that records the need for careful underwriting.

Distressed ZIPs reward experience. solid returns are possible in 11786, but they flow to investors who already understand how to operate in soft markets.

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 Shoreham:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+7.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,078/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 11786

Which property type performs best in this market?

Best for Cash Flow
3BR
5.0% cap rate
Best for Appreciation
3BR
+9.2% 5yr CAGR
Best Overall Value
4BR
$188,240/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $635,292 $4,440 5.0% +9.2% $211,764
4BR $752,958 $4,690 4.5% +8.8% $188,240

Market Trends

Home Value History (with trend line)

$802K$711K$619K$527K$436K$344KJul 2006Jul 2016Jul 2026

📊 How Does 11786 Compare?

Metric 11786 Shoreham New York
Home Value $770,681 $770,681 $505,608
5-Year CAGR 5.9% 5.9% 6.6%
Avg Rent $3,078 $3,078 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 11786? 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 11786 (Shoreham, 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
3.1%
Low
5yr Growth
+5.9%
Moderate

📊 Market Snapshot

Home Value $770,681
Monthly Rent $3,078
Price-to-Rent 20.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +7.1% ▲
3-Year CAGR +5.8% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
1.8%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.9%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 11786

Population: 6,348

💰 Median Household Income
$162,143
This area
$162,143
State
$86,376
USA
$74,580
🏠 Renter Occupied
3.8%
This area
3.8%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-24.2%
USA
3.7%
🎓 College Educated
45.2%
This area
45.2%
State
4.2%
USA
33.7%
👤 Median Age
38.7 years
This area
38.7 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
1.8%
This area
1.8%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 86.2%
Other/Mixed 8.8%
Hispanic/Latino 6.6%
Black/African American 2.8%
Asian 2.2%
👶 Under 18
25.1%
This area
25.1%
USA
22.0%
👴 65 and Over
12.6%
This area
12.6%
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 11786

A+ Avg School Grade
3 Schools
10.4:1 Avg Class Size
$36,670 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

ALBERT G PRODELL MIDDLE SCHOOL

📚 06 – 08 Middle
👥
445 Students
👨‍🏫
9.1:1 Class Size
💰
$36,670 Per Student
A+ Excellent

MILLER AVENUE SCHOOL

📚 K – 02 Elementary
👥
420 Students
👨‍🏫
11.4:1 Class Size
💰
$36,670 Per Student
A+ Excellent

SHOREHAM-WADING RIVER HIGH SCHOOL

📚 09 – 12 High School
👥
661 Students
👨‍🏫
10.6:1 Class Size
💰
$36,670 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

FRANK J CARASITI ELEMENTARY SCHOOL

📚 K – 02 Elementary
📍 90 ROCKY PT-YAPHANK RD, ROCKY POINT
👥
508 Students
👨‍🏫
10.3:1 Class Size
💰
$30,542 Per Student
A+ Excellent

JOSEPH A EDGAR IMTERMEDIATE SCHOOL

📚 03 – 05 Elementary
📍 525 RT 25A, ROCKY POINT
👥
569 Students
👨‍🏫
10.8:1 Class Size
💰
$30,542 Per Student
A+ Excellent

RIDGE ELEMENTARY SCHOOL

📚 K – 04 Elementary
📍 105 RIDGE RD, RIDGE
👥
703 Students
👨‍🏫
11.0:1 Class Size
💰
$29,258 Per Student
A+ Excellent

ROCKY POINT MIDDLE SCHOOL

📚 06 – 08 Middle
📍 76 ROCKY PT-YAPHANK RD, ROCKY POINT
👥
634 Students
👨‍🏫
11.3:1 Class Size
💰
$30,542 Per Student
A+ Excellent

ROCKY POINT HIGH SCHOOL

📚 09 – 12 High School
📍 82 ROCKY PT-YAPHANK RD, ROCKY POINT
👥
905 Students
👨‍🏫
12.2:1 Class Size
💰
$30,542 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

3 Nearby 2,762 Off-Campus Students
C
Suffolk County Community College
20,053 students · 11.0 mi
C+
Eastern Suffolk BOCES
9 students · 11.4 mi
B+
Stony Brook University
25,865 students · 12.3 mi

Investor Insight: With 2,762 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Where do home prices stand in Shoreham, NY?

Shoreham, NY median home values land near $771K. That is reasonable territory for investors looking at $3,078/mo-per-month rentals.

Are renters plentiful in Shoreham, NY?

Working renters make up the core of the Shoreham, NY tenant base. The pool is reasonable for investors targeting long-term holds.

Where do rents currently stand in Shoreham, NY?

Investors in Shoreham, NY typically see rents near $3,078/mo per month against $771K home values - a solid setup for rental cash flow.

How high is vacancy risk in Shoreham, NY?

Vacancy risk in Shoreham, NY is elevated. That supports even-keeled cash flow for typical rental holds.

What is it like being a landlord in Shoreham, NY?

NY ranks as a tenant-protective state for landlord-tenant law. Shoreham generally follows the statewide framework, so landlords face reasonable operating rules.

You know 11786 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 11786 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 11786 ranks in New York-Newark-Jersey City, NY-NJ-PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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