Real Estate Investing in Mastic, New York (11950)

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

Suffolk County • Population: 16,944 • Data updated: September 2026

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Should you buy in 11950 (Mastic, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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 Mastic, NY (11950)?

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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 $519,683
Avg Monthly Rent $2,367
1% Rule ✗ Does Not Meet
Median Income $96,165
% Renters 18.4%

Market Analysis: 11950 Mastic

Not every below-median market is a bargain. Mastic's 11950 ZIP clocks in at signals that favor experienced operators who can absorb the risk $520K pricing implies.

The investment case in 11950 is impressive only for operators who understand what they are buying. A $520K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Regionally, 11950 sits on the difficult end of the NY spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 11950 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 11950 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Mastic:

C+ Average
Buy Confidence Score: 69/100
Affordability
10/25
Appreciation
25/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Rising (+5.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,367/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 11950

Which property type performs best in this market?

Best for Cash Flow
3BR
5.1% cap rate
Best for Appreciation
3BR
+11.2% 5yr CAGR
Best Overall Value
5BR
$112,045/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $400,407 $2,630 4.7% +11.0% $200,204
3BR $478,601 $3,410 5.1% +11.2% $159,534
4BR $543,132 $3,610 4.8% +11.1% $135,783
5BR $560,225 +10.5% $112,045

Market Trends

Home Value History (with trend line)

$548K$466K$384K$303K$221K$139KJul 2006Jul 2016Jul 2026

📊 How Does 11950 Compare?

Metric 11950 Mastic New York
Home Value $519,683 $519,683 $505,608
5-Year CAGR 7.4% 7.4% 6.6%
Avg Rent $2,367 $2,367 -
Cap Rate 3.6% 3.6% -
💡 Why Invest in 11950? 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 11950 (Mastic, 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
3.6%
Low
5yr Growth
+7.4%
Strong

📊 Market Snapshot

Home Value $519,683
Monthly Rent $2,367
Price-to-Rent 18.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.5%
Cap Rate 3.6%
5-Year IRR 11.0%

📈 Home Appreciation

1-Year +5.6% ▲
3-Year CAGR +7.1% ▲
5-Year CAGR +7.4% ▲
10-Year CAGR +9.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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
6.5%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.4%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 11950

Population: 16,944

💰 Median Household Income
$96,165
This area
$96,165
State
$86,376
USA
$74,580
🏠 Renter Occupied
18.4%
This area
18.4%
State
26.4%
USA
34.0%
💼 Unemployment Rate
5.4%
This area
5.4%
State
-24.2%
USA
3.7%
🎓 College Educated
17.4%
This area
17.4%
State
4.2%
USA
33.7%
👤 Median Age
32.5 years
This area
32.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
6.5%
This area
6.5%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 74.5%
Other/Mixed 17.9%
Hispanic/Latino 11.0%
Black/African American 6.5%
Asian 1.1%
👶 Under 18
25.9%
This area
25.9%
USA
22.0%
👴 65 and Over
10.1%
This area
10.1%
USA
17.3%
📊 Poverty Rate
10.0%
This area
10.0%
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 11950

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

CENTER MORICHES MIDDLE SCHOOL

📚 06 – 08 Middle
📍 311 FROWEIN RD, CENTER MORICHES
👥
296 Students
👨‍🏫
10.7:1 Class Size
💰
$30,337 Per Student
A+ Excellent

WILLIAM PACA MIDDLE SCHOOL

📚 06 – 08 Middle
📍 338 BLANCO DR, MASTIC BEACH
👥
987 Students
👨‍🏫
10.2:1 Class Size
💰
$29,634 Per Student
A+ Excellent

CENTER MORICHES HIGH SCHOOL

📚 09 – 12 High School
📍 311 FROWEIN RD, CENTER MORICHES
👥
541 Students
👨‍🏫
14.7:1 Class Size
💰
$30,337 Per Student
A+ Excellent

CLAYTON HUEY ELEMENTARY SCHOOL

📚 Pre-K – 06 School
📍 511 MAIN ST, CENTER MORICHES
👥
616 Students
👨‍🏫
13.8:1 Class Size
💰
$30,337 Per Student
A+ Excellent

JOHN S HOBART ELEMENTARY SCHOOL

📚 K – 05 Elementary
📍 230 VAN BUREN ST, SHIRLEY
👥
784 Students
👨‍🏫
12.6:1 Class Size
💰
$29,634 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

4 Nearby 1,971 Off-Campus Students
C
Suffolk County Community College
20,053 students · 11.3 mi
C+
Eastern Suffolk BOCES
9 students · 12.4 mi
C
Eastern Suffolk BOCES
275 students · 13.4 mi
C+
Eastern Suffolk BOCES
31 students · 14.4 mi

Investor Insight: With 1,971 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Do rentals sit vacant long in Mastic, NY?

Expect elevated vacancy in Mastic, NY. Rents at $2,367/mo are absorbed by the tenant base without meaningful lag.

What are rental rates like in Mastic, NY?

Average rent in Mastic, NY is approximately $2,367/mo per month. Against $520K home values that yields a reasonable rent-to-price ratio.

What is the smart move for investors in Mastic, NY?

Most investors in Mastic, NY run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

Can I live-in-and-rent in Mastic, NY?

House hacking in Mastic, NY is a challenging. With home values around $520K and rents at $2,367/mo, owner-occupants can offset a meaningful share of PITI.

Is Mastic, NY a good place for real estate investing?

Mastic, NY reports an investability rating of 3.0/5, with median home values near $520K and average rents around $2,367/mo. That combination puts it in the resilient tier for investor interest.

You know 11950 now. You don’t know where it ranks.

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How 11950 ranks in New York-Newark-Jersey City, NY-NJ-PA

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Cash Flow → Appreciation → Affordable →
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