Lloyd Harbor, NY
Population 3,570 · New York
About Lloyd Harbor, NY
Lloyd Harbor is a small town located in New York with a population of 3,570 residents according to the latest US Census Bureau American Community Survey data. The median household income is $242,434 per year, which is 223% above the national median of $75,149. The median age of 45.6 years is notably older the US median age of 38.9 years, suggesting a more established community with a higher proportion of long-term residents.
Housing Market Overview
The housing market in Lloyd Harbor features a median home value of $1,458,800, which is 496% above the national median of $244,900. This places Lloyd Harbor in a higher-cost housing market, where property demand often outpaces supply. Median monthly rent is $1,738, 49% above the national average of $1,163/month. Of the 1,207 total housing units, 96% are owner-occupied (1,119 units) and 4% are renter-occupied (46 units). The high homeownership rate suggests a stable, established residential community.
Economy & Employment
The local economy in Lloyd Harbor shows an unemployment rate of 0.8%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 3.3%, below the national average of 12.4%, reflecting generally favorable economic conditions. Workers in Lloyd Harbor have an average one-way commute time of 40.7 minutes, suggesting many residents commute to jobs in a nearby metro area.
Education & Demographics
72.3% of Lloyd Harbor residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This significantly higher educational attainment rate often correlates with access to knowledge-economy jobs and higher household incomes. The community's demographic composition includes 0.4% White, 0.4% Hispanic or Latino, 0.0% Black or African American, and 3.6% Asian residents, with 10.6% of the population being foreign-born.
How Lloyd Harbor Ranks in New York
Cost of Living in Lloyd Harbor, NY
Compared to national averages, Lloyd Harbor has a median household income of $242,434 (223% above the national median of $75,149). Home values average $1,458,800, which is 496% above the national median. Monthly rent at $1,738 is 49% above the US average of $1,163. Within New York, Lloyd Harbor's income is 150% above the state average of $96,987, and home values are 277% above the state median of $387,181.
Why Live in Lloyd Harbor, NY?
Lloyd Harbor offers a strong local economy with a median household income of $242,434, well above the national average, and a strong job market with an unemployment rate of just 0.8%, and a well-educated community where 72.3% of residents hold a bachelor’s degree or higher. Additionally, the city features a low poverty rate of 3.3%, better than the national average.
Potential considerations include a competitive housing market where the typical home costs $1,458,800. However, Lloyd Harbor’s smaller community size offers a quieter lifestyle and tight-knit neighborhoods.
Lloyd Harbor has a population of 3,570 with a median age of 45.6 years. Compare Lloyd Harbor with other cities to see how it stacks up, or explore all cities in New York.
Similar Cities Near Lloyd Harbor
Cities in New York with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| SUNY Oswego | 3,565 | $0 | $0 | Compare |
| Islandia | 3,581 | $112,435 | $451,700 | Compare |
| Locust Valley | 3,591 | $137,344 | $775,200 | Compare |
| Walton Park | 3,592 | $152,578 | $410,600 | Compare |
| Carthage | 3,546 | $58,356 | $126,300 | Compare |
| Clifton Knolls-Mill Creek | 3,601 | $182,976 | $371,300 | Compare |
| Riverside | 3,538 | $41,397 | $0 | Compare |
| Lyons | 3,536 | $66,543 | $89,400 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in New York
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Lloyd Harbor With Other Cities
Frequently Asked Questions about Lloyd Harbor
What is the population of Lloyd Harbor, NY?
The population of Lloyd Harbor, NY is 3,570 according to the latest US Census Bureau American Community Survey estimates. This makes it a small town in New York.
What is the median household income in Lloyd Harbor?
The median household income in Lloyd Harbor, NY is $242,434 per year, which is 223% above the national median of $75,149.
What is the median home value in Lloyd Harbor?
The median home value in Lloyd Harbor, NY is $1,458,800, which is 496% above the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Lloyd Harbor?
The median monthly rent in Lloyd Harbor, NY is $1,738, which is 49% above the national average of $1,163/month.
What is the unemployment rate in Lloyd Harbor?
The unemployment rate in Lloyd Harbor, NY is 0.8%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Lloyd Harbor, NY a good place to live?
Lloyd Harbor offers above-average incomes, a competitive housing market, and a strong job market. With a population of 3,570 and a median age of 45.6, the city appeals to established professionals and retirees.
How educated is Lloyd Harbor, NY?
72.3% of residents in Lloyd Harbor aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This above-average educational attainment often reflects a knowledge-based local economy.
What is the cost of living in Lloyd Harbor?
Key cost-of-living indicators for Lloyd Harbor, NY: median home value is $1,458,800 (496% above national), median rent is $1,738/month, and median household income is $242,434. The home-value-to-income ratio is 6.0x, which suggests housing may be stretched relative to local earnings.
What is the poverty rate in Lloyd Harbor?
The poverty rate in Lloyd Harbor, NY is 3.3%, compared to the national average of 12.4%. This below-average poverty rate reflects generally favorable economic conditions in the community.
How diverse is Lloyd Harbor, NY?
Lloyd Harbor's population is 0.4% White, 0.4% Hispanic or Latino, 0.0% Black or African American, 3.6% Asian, and 3.8% two or more races. 10.6% of residents are foreign-born.