CitytisticsShortlist

Cost of living, pay and housing

40.92° N · 73.44° W · GEOID 3643005

Lloyd Harbor

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

Limited data population under 5,000, core figures borrowed from county or metro: median_gross_rent

New YorkLloyd Harbor, NYLloyd HarborLloyd Harbor

The short answer

Lloyd Harbor is home to 3,565 people. Median household income is $250,001 a year and median rent is $2,255 a month, 10.8% 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 $1,533,800, about 6.1x annual median household income.

Median gross rent
$2,255
65% above the median place
Median household income
$250,001
211% above the median place
Median home value
$1,533,800
380% 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 Lloyd Harbor

  • The median household earns $250,001 a year, more than in 99% of the 2,480 places under 10,000 people we track. It is the highest of 340 New York places.
  • Between the 2019 and 2024 surveys, rent rose 8.3% a year while household income rose 0%, so rent outran pay by more than in 96% of places its size.
  • Counting remote workers as zero, the average worker spends about 255 hours a year commuting, more than in 97% of places its size.
  • 2.1% of residents live below the poverty line, fewer than in 99% of places its size.
  • 97% of homes are owner-occupied, more than in 98% 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 Lloyd 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, 0.7% 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
$90,200 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,255 a month; owners with a mortgage pay $4,001 a month including taxes and insurance, on a median home of $1,533,800.
Getting to work
47 minutes each way on average; 28.5% work from home; 12.4% take transit.
If it is close but not quite
Glencoe, IL matches it on character. Compare the two
Income of households moving out8
$120,653
72% above the median place
Moved from another state1
0.7%
66% below the median place
Income of households moving in8
$116,086
64% above the median place
All 5 moving measures
MeasureLloyd HarborAmong 6,645 placesVs median
Moved here in the past year1County figure3.1%45% below
Moved from another state1County figure0.7%66% below
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 97.3%, 46% above the median place.

Lloyd Harbor10.8%
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
$90,200
a year, at the 30% line
Rent to income
10.8%
47% below the median place
Home price to income
6.1x
62% 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
$212,000
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Lloyd Harbor, $2,255 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.

Like Lloyd Harbor, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
Hingham, MA7.0% vs 10.8%n/aCompare

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

Sponsored · exampleMoving to Lloyd Harbor? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
97.3%
46% above the median place
Median home value1
$1,533,800
380% above the median place
Owner costs with a mortgage1
$4,001
114% above the median place
All 15 cost and housing measures
MeasureLloyd HarborAmong 6,645 placesVs median
Median gross rent1County figure$2,25565% above
Rent to income110.8%47% below
Home price to income16.1x62% 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$1,533,800380% above
Home prices, 1-year change5County figure5.4%70% above
Home prices, 5-year change5County figure54.5%6% above
Homeownership197.3%46% above
Renters paying 30%+1County figure58.8%16% above
Owner costs with a mortgage1$4,001114% above
Vacant homes17.4%5% above
Median year built119661% below
03

Work and pay

Mean commute is 47 min, 87% above the median place.

Mean commute1
47 min
87% above the median place
Income per person1
$131,960
229% above the median place
Median household income1
$250,001
211% above the median place

More on work and pay, against the typical place

Poverty rate2.1% −81%
Commutes by transit12.4% 14.6×
Works from home28.5% 2.3×
All 10 work and pay measures
MeasureLloyd HarborAmong 6,645 placesVs median
Median household income1$250,001211% above
Income per person1$131,960229% 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 rate12.1%81% below
Mean commute147 min87% above
Works from home128.5%129% above
Commutes by transit112.4%above (median 0.8%)
04

Who lives here

Bachelor's or higher is 74.3%, 132% above the median place.

Bachelor's or higher1
74.3%
132% above the median place
Household size1
3.0
22% above the median place
Median age1
45.4
16% above the median place

More about who lives here, against the typical place

Homes with broadband90.9% −2%
Born abroad7.4% −16%
High school or higher92.8% +0%
All 9 people measures
MeasureLloyd HarborAmong 6,645 placesVs median
Population13,5656646th largest
Population change since 202070.3%70% below
Median age145.416% above
Bachelor's or higher174.3%132% above
High school or higher192.8%0% above
Household size13.022% above
Born abroad17.4%16% below
No health insurance1County figure4.7%27% below
Homes with broadband190.9%2% below
05

Life in Lloyd Harbor

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

  • Van Wyck-Lefferts Tide Mill listed 1978
  • Field, Marshall, III, Estate listed 1979
  • Fort Hill Estate listed 1988
  • Lloyd Harbor Lighthouse listed 1989
  • Davis, Charles Homer, House listed 2006
  • Karpen House listed 2006

Out the door, against the typical place

Parks per 10k residents14.0 +38%
Playgrounds per 10k28.1 3.0×
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k0.0 −100%
Libraries per 10k0.0 −100%
Named paths and bike trails18 km 8.8×
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 students13
222,431
above the median place (median 4,897)
Public schools13
342
above the median place (median 9)
Students per teacher13
11.4
26% below the median place
All 16 schools and local life measures
MeasureLloyd HarborAmong 6,645 placesVs median
Public schools13County figure342above (median 9)
Public school students13County figure222,431above (median 4,897)
Students per teacher13County 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 10k1014.038% above
Playgrounds per 10k1028.1198% above
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 trails1017.7above (median 2.0)
Transit stops per sq mi100.0below (median 0.2)
National Register listings11654% below
06

Safety, weather and risk

Violent crime per 100k is 0, below the median place (median 192).

Violent crime per 100k
0
below the median place (median 192)
Property crime per 100k
365
70% below the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Hurricane risk15
96.8
37% above the median place
July average high14
82°F
5% below the median place
Natural hazard risk15
97.3
5% above the median place
All 11 weather and risk measures
MeasureLloyd HarborAmong 6,645 placesVs median
July average high14County figure82°F5% below
January average low14County figure24°F5% below
Average temperature14County figure53°F4% below
Annual precipitation14County figure45.5 in4% above
Natural hazard risk15County figure97.35% above
Hurricane risk15County figure96.837% above
Tornado risk15County figure74.88% below
Wildfire risk15County figure73.420% above
Heat wave risk15County figure94.75% above
Median air quality index16County figure415% below
Good air days16County figure72.6%6% above
08

Lloyd Harbor in 2030: where the trends point

If recent trends hold, the median rent will take about 9% of the median income in 2030, about the same as 9% 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$1,821/mo (2024)$2,370/mo$1,940 to $2,890/mo+4.5%
Median household income$250,001 (2024)$311,500$263,500 to $369,000+3.7%
Median home value$1,533,800 (2024)$2,025,000$1,470,000 to $2,790,000+4.7%
Population3,587 (2025)3,6203,470 to 3,770+0.2%

The median home would be worth 6.5 years of the median income in 2030, against 6.1 now.

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

09

Places like Lloyd Harbor

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

PlaceRentIncome
Glencoe, IL$2,211$248,933Compare
Winchester, MA$2,279$230,198Compare
Winnetka, IL$1,842$250,001Compare
Pinecrest, FL$1,946$206,417Compare
Pinecrest, FLWinnetka, ILWinchester, MAGlencoe, ILLloyd Harbor, NYLloyd HarborGlencoeWinchesterWinnetkaPinecrestGlencoeWinchesterWinnetkaPinecrest

Common questions

Is Lloyd Harbor a good place to live?

It depends on what you need, so here is what the numbers say. The median household earns $250,001 a year, more than in 99% of the 2,480 places under 10,000 people we track. It is the highest of 340 New York places. Between the 2019 and 2024 surveys, rent rose 8.3% a year while household income rose 0%, so rent outran pay by more than in 96% of places its size. On cost, space and class size it scores 97 out of 100 for families. See how it ranks with your own weights.

Is Lloyd Harbor expensive to live in?

The median rent takes 10.8% 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 $1,533,800.

What salary do you need to live in Lloyd Harbor?

To rent the median home without spending more than 30% of income on rent, a household needs about $90,200 a year. Work it out from your current city.

Is Lloyd Harbor safe?

There were 0 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to Lloyd Harbor?

On income, rent, home value, education and age, the closest matches are Glencoe, IL, Winchester, MA, Winnetka, IL and Pinecrest, FL.

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. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 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
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. 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 Lloyd Harbor with places of a similar size, using only figures measured for Lloyd Harbor itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/lloyd-harbor-new-york

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

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