Estimated median household income in 2008: $85,123
| This zip code: | $85,123 | | New York: | $56,033 |
Nearest zip codes: 11964, 11944, 11939, 11971, 11963, 11957.
Housing units in zip code 11965 with a mortgage: 178 (0 second mortgage, 13 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 225
Median monthly owner costs for units with a mortgage: $2,096
Median monthly owner costs for units without a mortgage: $729
Residents with income below the poverty level in 2008:
| This zip code: | 5.8% | | Whole state: | 13.6% |
Residents with income below 50% of the poverty level in 2008:
| This zip code: | 0.6% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 7.0 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 5.9 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 15
- 1995 to 1998: 55
- 1990 to 1994: 66
- 1980 to 1989: 228
- 1970 to 1979: 312
- 1960 to 1969: 168
- 1950 to 1959: 166
- 1940 to 1949: 39
- 1939 or earlier: 308
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Bedrooms in owner-occupied houses in Shelter Island Heights, NY (11965): |
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- no bedroom: 0
- 1 bedrooms: 5
- 2 bedrooms: 68
- 3 bedrooms: 202
- 4 bedrooms: 104
- 5 or more bedrooms: 54
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 0
- 2 bedrooms: 10
- 3 bedrooms: 22
- 4 bedrooms: 5
- 5 or more bedrooms: 2
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Vehicles available in 11965 zip code in owner-occupied houses/condos: |
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- no vehicle: 10
- 1 vehicle: 128
- 2 vehicles: 211
- 3 vehicles: 57
- 4 vehicles: 27
- 5 or more vehicles: 0
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 0
- 1 vehicle: 20
- 2 vehicles: 12
- 3 vehicles: 7
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2008:

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Estimate of home value of owner-occupied houses/condos in 2008 in zip code 11965:
- $175,000 to $199,999: 3
- $200,000 to $249,999: 8
- $250,000 to $299,999: 5
- $300,000 to $399,999: 53
- $400,000 to $499,999: 39
- $500,000 to $749,999: 134
- $750,000 to $999,999: 81
- $1,000,000 or more: 123
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Rent paid by renters in 2008 in zip code 11965:
- $650 to $699: 1
- $700 to $749: 4
- $750 to $799: 4
- $800 to $899: 2
- $1,000 to $1,249: 10
- $1,250 to $1,499: 2
- $1,500 to $1,999: 5
- No cash rent: 12
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Median price asked for vacant for-sale houses and condos in 2008: $648,170.
Estimated median house (or condo) value in 2008 for: - White Non-Hispanic householders: $691,166
- Two or more races householders: $1,350,355
Estimated median house or condo value in 2008: $550,540 (it was $330,100 in 2000)
| 11965: | $550,540 | | New York: | $318,900 |
Lower value quartile - upper value quartile: $300,906 - $900,104
Mean price in 2008:
Detached houses: $742,693| Here: | $742,693 | | State: | $361,784 |
Townhouses or other attached units: $2,131,542| Here: | $2,131,542 | | State: | $496,977 |
In 2-unit structures: $1,813,903| Here: | $1,813,903 | | State: | $485,140 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,292
- One, attached: 13
- Two: 10
- 5 to 9: 5
- 20 to 49: 30
- Mobile homes: 7

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Means of transportation to work
- Drove a car alone: 310 (68%)
- Carpooled: 34 (7%)
- Subway or elevated: 5 (1%)
- Walked: 24 (5%)
- Worked at home: 81 (18%)
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Travel time to work
- Less than 5 minutes: 42
- 5 to 9 minutes: 98
- 10 to 14 minutes: 64
- 15 to 19 minutes: 22
- 20 to 24 minutes: 10
- 25 to 29 minutes: 5
- 30 to 34 minutes: 27
- 35 to 39 minutes: 4
- 40 to 44 minutes: 30
- 45 to 59 minutes: 39
- 60 to 89 minutes: 0
- 90 or more minutes: 32
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Percentage of zip code residents living and working in this county: 89.6%
Household type by relationship
Households: 1,077
- In family households: 942 (161 male householders, 169 female householders)
292 spouses, 277 children (265 natural, 8 adopted, 4 stepchildren), 0 grandchildren, 9 brothers or sisters, 11 parents, 14 other relatives, 9 non-relatives
- In nonfamily households: 135 (44 male householders (35 living alone)), 74 female householders (64 living alone)), 17 nonrelatives
Size of family households: 192 2-persons, 51 3-persons, 40 4-persons, 35 5-persons, 8 6-persons, 4 7-or-more-persons.
Size of nonfamily households: 99 1-person, 19 2-persons.
158 married couples with children.
20 single-parent households (3 men, 17 women).
92.7% of residents of 11965 zip code speak English at home.
1.0% of residents speak Spanish at home (100% very well).
6.3% of residents speak other Indo-European language at home (79% very well, 8% well, 14% not well).
Foreign born population: 47 (4.4%)
(63.8% of them are naturalized citizens)
| This zip code: | 4.4% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Poland (36%)
- Australia (17%)
- Italy (11%)
- Russia (11%)
- United Kingdom (9%)
- Germany (9%)
- Colombia (9%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 5
- 1990 to 1994: 4
- 1985 to 1989: 0
- 1980 to 1984: 8
- 1975 to 1979: 8
- 1970 to 1974: 0
- 1970 to 1974: 5
- 1965 to 1969: 17
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White population: 1,058
Black population: 0
American Indian population: 1
Asian population: 8
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 0
Two or more races population: 13
First ancestries reported:
|  English: 224 |
|  Irish: 206 |
|  German: 143 |
|  Italian: 98 |
|  Polish: 51 |
|  Scottish: 44 |
|  United States or American: 36 |
|  Scotch-Irish: 32 |
|  Other groups: 29 |
|  Hungarian: 20 |
|  Russian: 17 |
|  Welsh: 17 |
|  Swedish: 16 |
|  French (except Basque): 15 |
|  Dutch: 13 |
|  Finnish: 9 |
|  Austrian: 8 |
|  British: 8 |
|  European: 8 |
|  Swiss: 5 |
|  Czechoslovakian: 4 |
|  Danish: 4 |
|  Lithuanian: 4 |
|  Armenian: 4 |
|  Norwegian: 4 |

facilities with environmental interests located in this zip code:
- ISLAND BIO-GREENS (7 COUNTRY CLUB LANE in SHELTER ISLAND HEIGHTS, NY)
COMPLIANCE ACTIVITY (Tracking inspections of insecticide, fungicide, and rodenticide, and toxic substances)
Fire-safe hotels and motels in zip code 11965
- Shelter Island Resort, 35 SHR Rd, Shelter Road, NY 11965, Phone: (516) 749-2001
- Sylvan Lodge, 6 Sylvan PL, Shelter Island, NY 11965, Phone: (631) 749-2044
All 2 fire-safe hotels and motels in zip code 11965
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (80%)
- Bottled, tank, or LP gas (10%)
- Electricity (9%)
- Wood (2%)
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Place of birth for U.S.-born residents:
- This state: 811
- Northeast: 121
- Midwest: 42
- South: 30
- West: 26
67% of the 11965 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 64% lived in this county.
Out of people who lived in different counties, 48% lived in New York.
Population in 1990: 1,119. Population change in the 1990s: -39 (-3.5%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 5
| Here: | 4.3% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 10
| Here: | 19.2% | | New York: | 13.2% |
Students in private undergraduate colleges: 6
| Here: | 21.4% | | New York: | 38.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Accommodation and Food Services: Full-Service Restaurants (10-19 employees: 1 establishment, 5-9 employees: 2 establishments, 1-4 employees: 2 establishments)
- Other Services (except Public Administration): Religious Organizations (10-19: 1, 1-4: 2)
- Construction: New Single-Family Housing Construction (except Operative Builders) (5-9: 1, 1-4: 2)
- Administrative and Support and Waste Management and Remediation Services: Landscaping Services (1-4: 4)
- Arts, Entertainment, and Recreation: Golf Courses and Country Clubs (5-9: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Fatal accident statistics in 2005
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 2
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 1
- Persons involved in fatal accidents: 2
- Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $855,217 | 29 | $706,603 | 2 | $374,305 | 22 | $934,738 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $1,001,217 | 6 | $786,057 | 1 | $85,630 | 3 | $1,367,080 |
| APPLICATIONS DENIED | 7 | $1,060,630 | 12 | $1,086,007 | 2 | $417,120 | 6 | $1,431,077 |
| APPLICATIONS WITHDRAWN | 1 | $1,399,620 | 8 | $663,379 | 1 | $428,170 | 3 | $1,203,640 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $1,741,230 | 3 | $441,677 | 0 | $0 | 1 | $1,172,180 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 24 | $712,392 | 37 | $584,484 | 8 | $421,611 | 25 | $750,986 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $687,562 | 6 | $584,785 | 0 | $0 | 2 | $764,725 |
| APPLICATIONS DENIED | 4 | $653,193 | 16 | $588,736 | 2 | $170,810 | 7 | $803,793 |
| APPLICATIONS WITHDRAWN | 4 | $627,870 | 13 | $682,313 | 0 | $0 | 4 | $1,161,475 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 6 | $292,123 | 0 | $0 | 1 | $330,110 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 42 | $598,695 | 36 | $442,214 | 6 | $435,155 | 1 | $204,880 | 38 | $572,289 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $774,163 | 5 | $341,524 | 0 | $0 | 0 | $0 | 3 | $620,160 |
| APPLICATIONS DENIED | 9 | $567,008 | 10 | $481,440 | 2 | $233,655 | 0 | $0 | 8 | $638,805 |
| APPLICATIONS WITHDRAWN | 3 | $576,420 | 12 | $297,457 | 3 | $316,140 | 0 | $0 | 4 | $421,728 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $299,260 | 10 | $373,384 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 34 | $563,259 | 34 | $345,923 | 9 | $221,606 | 32 | $531,561 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $653,692 | 4 | $405,038 | 0 | $0 | 6 | $592,918 |
| APPLICATIONS DENIED | 6 | $434,080 | 10 | $560,215 | 2 | $92,080 | 4 | $724,440 |
| APPLICATIONS WITHDRAWN | 3 | $473,907 | 10 | $328,173 | 0 | $0 | 4 | $491,133 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $310,080 | 4 | $367,975 | 1 | $139,500 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 33 | $554,294 | 115 | $340,388 | 3 | $91,620 | 55 | $494,369 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $599,210 | 17 | $260,668 | 0 | $0 | 7 | $418,899 |
| APPLICATIONS DENIED | 4 | $401,353 | 23 | $332,089 | 1 | $32,230 | 12 | $329,723 |
| APPLICATIONS WITHDRAWN | 4 | $584,248 | 20 | $297,833 | 0 | $0 | 8 | $452,861 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $351,975 | 8 | $277,794 | 1 | $244,470 | 3 | $291,127 |
Aggregated Statistics For Year 2002 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 32 | $406,476 | 82 | $315,773 | 4 | $40,285 | 44 | $390,022 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $341,986 | 12 | $325,695 | 1 | $228,360 | 7 | $494,996 |
| APPLICATIONS DENIED | 6 | $335,478 | 13 | $316,614 | 3 | $77,347 | 6 | $353,740 |
| APPLICATIONS WITHDRAWN | 2 | $930,700 | 17 | $251,974 | 1 | $174,950 | 5 | $465,556 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $933,690 | 1 | $189,220 | 0 | $0 | 2 | $561,460 |
Aggregated Statistics For Year 2001 (Based on 4 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $346,697 | 48 | $287,079 | 6 | $56,168 | 28 | $394,103 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $309,043 | 11 | $205,799 | 2 | $119,705 | 3 | $398,553 |
| APPLICATIONS DENIED | 3 | $280,537 | 15 | $384,035 | 1 | $92,080 | 3 | $1,115,090 |
| APPLICATIONS WITHDRAWN | 2 | $318,825 | 8 | $300,986 | 1 | $69,060 | 2 | $338,625 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $129,835 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $168,510 | 31 | $324,508 | 19 | $254,165 | 5 | $56,906 | 18 | $396,839 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $546,030 | 3 | $67,680 | 2 | $72,975 | 1 | $46,040 |
| APPLICATIONS DENIED | 0 | $0 | 4 | $147,673 | 7 | $259,074 | 1 | $70,900 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 8 | $65,089 | 3 | $30,693 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 2 | $110,265 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 15 | $248,079 | 16 | $182,739 | 2 | $117,990 | 10 | $258,701 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $305,335 | 3 | $232,690 | 0 | $0 | 2 | $428,590 |
| APPLICATIONS DENIED | 2 | $221,860 | 4 | $255,810 | 1 | $78,880 | 1 | $404,050 |
| APPLICATIONS WITHDRAWN | 1 | $269,140 | 4 | $162,920 | 0 | $0 | 1 | $134,460 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $83,590 | 0 | $0 | 1 | $155,080 |
Detailed HMDA statistics for the following Tracts:
1803.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $464,080 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $307,090 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $300,410 | 0 | $0 | 1 | $270,250 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $223,065 | 1 | $536,830 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $204,880 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 3 | $248,923 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $214,315 | 1 | $318,140 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $235,750 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
1803.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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