CitytisticsShortlist

Cost of living, pay and housing

40.90° N · 73.16° W · GEOID 3632963

Head of the Harbor

Suffolk County, New York · part of the New York, NY metro

Limited data population under 5,000

New YorkHead of the Harbor, NYHead of the HarborHead of the Harbor

The short answer

Head of the Harbor is home to 1,384 people. Median household income is $250,001 a year and median rent is $2,333 a month, 11.2% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $1,167,400, about 4.7x annual median household income.

Median gross rent
$2,333
71% above the median place
Median household income
$250,001
211% above the median place
Median home value
$1,167,400
265% above the median place
Unemployment
4.7%
3% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Head of the Harbor

  • After the median rent, and with prices for everything else adjusted to the US average, the median household has about $211,100 a year left, more than in 99% of the 1,875 places under 10,000 people we track. It is the highest of 314 New York places.
  • 97% of homes are owner-occupied, more than in 98% of places its size.
  • Owning with a mortgage costs about $1,668 a month more than the median rent, a wider gap than in 96% of places its size.
  • The median home is valued at $1,167,400, more than in 98% of places its size.
  • The median rent takes only 11.2% of the median household's income, a smaller share than in 97% of places its size.

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 97 out of 100. Budget for insurance before counting the savings.

01

Moving to Head of the Harbor

Suffolk County loses about 5.5 residents per 1,000 a year to moves between counties.

Moved in38,900
Moved out46,266
Net−7,366

Where people come from and where they go, top counties

Nassau County, NY11,6446,378+5,266
Queens County, NY7,4222,716+4,706
Kings County, NY3,0521,722+1,330
New York County, NY2,2542,429−175
Palm Beach County, FL4371,145−708
Broward County, FL263537−274

Within New York, other states or abroad

Arrivals
Leavers
Within New YorkOther statesAbroad

Income per tax return

Arrivals$116K
Leavers$121K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Suffolk County; flows under 20 returns are not published.

Who moves here
3.1% of residents arrived from another county in the past year, 0.0% from another state. County figure.
Who arrives and who leaves
Households moving into Suffolk County report $116,100 a year in income on average; those leaving, $120,700.
Income you would need
$93,300 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,333 a month; owners with a mortgage pay $4,001 a month including taxes and insurance, on a median home of $1,167,400.
Getting to work
29 minutes each way on average; 31.5% work from home; 3.8% take transit.
If it is close but not quite
Winchester, MA matches it on character. Compare the two
Moved from another state1
0.0%
below the median place (median 2.0%)
Income of households moving out8
$120,653
72% above the median place
Income of households moving in8
$116,086
64% above the median place
All 5 moving measures
MeasureHead of the HarborAmong 6,645 placesVs median
Moved here in the past year1County figure3.1%45% below
Moved from another state10.0%below (median 2.0%)
Net movers per 1,000 people8County figure-5.5below (median -0.6)
Income of households moving in8County figure$116,08664% above
Income of households moving out8County figure$120,65372% above
02

What it costs to live here

Homeownership is 96.9%, 46% above the median place.

Head of the Harbor11.2%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$93,320
a year, at the 30% line
Rent to income
11.2%
45% below the median place
Home price to income
4.7x
23% above the median place

Could you afford it?

The median rent would take
11%
comfortably under the 30% line
Left after rent, in US prices
$211,100
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Head of the Harbor, $2,333 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in Head of the Harbor.

Sponsored · exampleMoving to Head of the Harbor? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
96.9%
46% above the median place
Median home value1
$1,167,400
265% above the median place
Owner costs with a mortgage1
$4,001
114% above the median place
All 15 cost and housing measures
MeasureHead of the HarborAmong 6,645 placesVs median
Median gross rent1$2,33371% above
Rent to income111.2%45% below
Home price to income14.7x23% above
Prices vs US average2Metro figure112.612% above
Fair market rent, 2 bedrooms3County figure$2,68967% above
HUD area median income4County figure$164,30053% above
Property tax paid (median)1$10,001206% above
Median home value1$1,167,400265% above
Home prices, 1-year change5County figure5.4%70% above
Home prices, 5-year change5County figure54.5%6% above
Homeownership196.9%46% above
Renters paying 30%+1County figure58.8%16% above
Owner costs with a mortgage1$4,001114% above
Vacant homes120.8%194% above
Median year built119760% below
03

Work and pay

Median household income is $250,001, 211% above the median place.

Median household income1
$250,001
211% above the median place
Income per person1
$106,163
165% above the median place
Works from home1
31.5%
153% above the median place
All 10 work and pay measures
MeasureHead of the HarborAmong 6,645 placesVs median
Median household income1$250,001211% above
Income per person1$106,163165% above
Unemployment1County figure4.7%3% below
Average annual pay6County figure$81,11923% above
Pay growth, 1 year6County figure2.5%32% below
Jobs6County figure689,858358% above
Poverty rate1County figure6.4%40% below
Mean commute129 min17% above
Works from home131.5%153% above
Commutes by transit13.8%349% above
04

Who lives here

Bachelor's or higher is 65.5%, 104% above the median place.

Bachelor's or higher1
65.5%
104% above the median place
Household size1
3.0
21% above the median place
Homes with broadband1
96.4%
4% above the median place

More about who lives here, against the typical place

Median age44.5 +14%
High school or higher93.5% +1%
Born abroad9.5% +8%
All 9 people measures
MeasureHead of the HarborAmong 6,645 placesVs median
Population11,3846646th largest
Population change since 202070.1%94% below
Median age144.514% above
Bachelor's or higher165.5%104% above
High school or higher193.5%1% above
Household size13.021% above
Born abroad19.5%8% above
No health insurance1County figure4.7%27% below
Homes with broadband196.4%4% above
05

Life in Head of the Harbor

5 sites are on the National Register of Historic Places, 12 of them National Historic Landmarks.

  • East Farm listed 1993
  • Mallows, The listed 1993
  • Shore Cottage listed 1993
  • Wetherill, Kate Annette, Estate listed 1993
  • Thatch Meadow Farm listed 2020

Out the door, against the typical place

Parks per 10k residents43.4 4.3×
Playgrounds per 10k0.0 −100%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k0.0 −100%
Libraries per 10k0.0 −100%
Named paths and bike trails1 km −75%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars25.6 +23%
Shops39.7 +31%
Arts, recreation and fitness6.6 +61%
Doctors' offices and clinics24.4 +21%
Child care centers2.7 +17%

Counts businesses with paid staff, so small owner-run shops are not included.

Public school students12
222,431
above the median place (median 4,897)
Public schools12
342
above the median place (median 9)
Students per teacher12
11.4
26% below the median place
All 16 schools and local life measures
MeasureHead of the HarborAmong 6,645 placesVs median
Public schools12County figure342above (median 9)
Public school students12County figure222,431above (median 4,897)
Students per teacher12County figure11.426% below
Restaurants and bars per 10k9County figure25.623% above
Shops per 10k9County figure39.731% above
Arts, recreation and fitness per 10k9County figure6.661% above
Doctors' offices and clinics per 10k9County figure24.421% above
Child care centers per 10k9County figure2.717% above
Parks per 10k1043.4326% above
Playgrounds per 10k100.0below (median 9.4)
Grocery stores per 10k100.0below (median 2.1)
Restaurants, cafes and bars per 10k100.0below (median 11.2)
Libraries per 10k100.0below (median 0.9)
Named paths and bike trails100.575% below
Transit stops per sq mi100.0below (median 0.2)
National Register listings11562% below
06

Safety, weather and risk

Hurricane risk is 96.8, 37% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Head of the Harbor. Larger places are fetched first.

Hurricane risk14
96.8
37% above the median place
July average high13
82°F
5% below the median place
Natural hazard risk14
97.3
5% above the median place
All 11 weather and risk measures
MeasureHead of the HarborAmong 6,645 placesVs median
July average high13County figure82°F5% below
January average low13County figure24°F5% below
Average temperature13County figure53°F4% below
Annual precipitation13County figure45.5 in4% above
Natural hazard risk14County figure97.35% above
Hurricane risk14County figure96.837% above
Tornado risk14County figure74.88% below
Wildfire risk14County figure73.420% above
Heat wave risk14County figure94.75% above
Median air quality index15County figure415% below
Good air days15County figure72.6%6% above
08

Head of the Harbor in 2030: where the trends point

If recent trends hold, the median rent will take about 12% of the median income in 2030, about the same as 11% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,333/mo (2024)$3,030/mo$2,490 to $3,690/mo+4.5%
Median household income$250,001 (2024)$314,500$265,500 to $372,000+3.9%
Median home value$1,167,400 (2024)$1,614,000$1,172,000 to $2,224,000+5.6%
Population1,481 (2025)1,4901,430 to 1,560+0.1%

The median home would be worth 5.1 years of the median income in 2030, against 4.7 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Head of the Harbor

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Winchester, MA$2,279$230,198Compare
Pelham Manor, NY$2,705$250,001Compare
Rye Brook, NY$2,593$246,944Compare
Cottage Lake, WA$2,740$213,106Compare
Cottage Lake, WARye Brook, NYPelham Manor, NYWinchester, MAHead of the Harbor, NYWinchesterPelham ManorRye BrookCottage LakeWinchesterPelham ManorRye BrookCottage Lake

Common questions

Is Head of the Harbor a good place to live?

It depends on what you need, so here is what the numbers say. After the median rent, and with prices for everything else adjusted to the US average, the median household has about $211,100 a year left, more than in 99% of the 1,875 places under 10,000 people we track. It is the highest of 314 New York places. 97% of homes are owner-occupied, more than in 98% of places its size. See how it ranks with your own weights.

Is Head of the Harbor expensive to live in?

The median rent takes 11.2% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $1,167,400.

What salary do you need to live in Head of the Harbor?

To rent the median home without spending more than 30% of income on rent, a household needs about $93,320 a year. Work it out from your current city.

What places are similar to Head of the Harbor?

On income, rent, home value, education and age, the closest matches are Winchester, MA, Pelham Manor, NY, Rye Brook, NY and Cottage Lake, WA.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); home price to income (B25077, B19013).

What stands out compares Head of the Harbor with places of a similar size, using only figures measured for Head of the Harbor itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/head-of-the-harbor-new-york

Citytistics. “Head of the Harbor, New York.” Data as of 2026-11-14. https://www.citytistics.com/city/head-of-the-harbor-new-york/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.