There are 5,179 houses in Farmingville (5,052 occupied: 4,195 owner occupied, 857 renter occupied). 3,268 housing units are with a mortgage, 341 of which have second mortgage, 520 - home equity loan, and 8 - both second mortgage and home equity loan. There are 709 houses without a mortgage. Housing density is 1146 houses/condos per square mile. Estimated median house or condo value in 2007 was $329,141.

Before you start house hunting, it's a good idea to figure out how much you can afford to spend. A little advance planning will save you time and money later, because you won't bid on unattainable houses or apply for loans that are out of your price range; look at your own budget and calculate how much you have to spare, what the monthly payments on your new house will be and any additional expenses you might incur - factor in taxes, insurance, maintenance and other charges. Generally, lenders want you to make all monthly payments using no more than 28% to 44% of your monthly income. For example, if your monthly income is $3,000, the lender would want you to pay no more than $1,320 (44% of $3,000) toward all your debts. However, if you have an excellent credit record, a lender might allow you to borrow more. Always make sure you leave yourself enough money to cover your other expenses as well.