Best PlacesLloyd Harbor, NY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Lloyd Harbor, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
Lloyd Harbor ranks 863rd of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on good schools by a wide margin, and long commutes are the weak spot.
The best neighborhoods in Lloyd Harbor
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Lloyd Harbor's strengths and weaknesses
Where Lloyd Harbor ranks high
- School gradeA+, better than 99% of towns
- Cost of living vs incomeBetter than 99% of towns
- Household income$235,545 median, better than 99% of towns
- Big-city accessBetter than 99% of towns
- Educational attainmentBetter than 99% of towns
Where Lloyd Harbor ranks low
- Short commute46.5 minutes each way, better than only 1% of towns
- Cheap childcare$1,476 a month, better than only 4% of towns
- Low property taxBetter than only 4% of towns
- Cheap car insuranceBetter than only 6% of towns
- Low income/sales/gas taxBetter than only 15% of towns
What it costs to buy a home in Lloyd Harbor
A household needs to earn about $477,000 a year to comfortably buy the median Lloyd Harbor home, at 20% down and today's 30-year rate. That runs well above the area's median income of $235,545, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Lloyd Harbor's effective rate of 1.84%, and insurance is estimated at 0.4% of home value a year.
Who lives in Lloyd Harbor
Lloyd Harbor runs older than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Lloyd Harbor.
Who works in Lloyd Harbor, and how
Work in Lloyd Harbor centers on professional & technical and health care & social. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 56%
- Work from home 28%
- Transit, walk, or bike 16%
Life in Lloyd Harbor
Lloyd Harbor has more restaurants and bars per resident than 98% of towns. The coast is about 6 minutes away. That concentrates in some parts of Lloyd Harbor and thins out in others, which the map shows.
What the weather is like in Lloyd Harbor, month by month
Lloyd Harbor sees roughly 75 pleasant days a year. July highs average about 86 degrees. January highs sit near 44, with lows near 26. The comfortable stretch runs May, June, and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 44° | 35° | 26° |
| April | 62° | 51° | 42° |
| July | 86° | 77° | 69° |
| October | 69° | 59° | 50° |
Flying in and out of Lloyd Harbor
The nearest airport, Westchester County, is about 17 miles away and is a small airport. The nearest major hub is Laguardia, about 24 miles away.
The best schools in and around Lloyd Harbor
Schools across Lloyd Harbor average an A+, better than 99% of towns.
Top elementary schools
- Lloyd Harbor SchoolA+ · 90% proficient
- Rogers International SchoolB+ · 53% proficient
Top middle schools
- J Taylor Finley Middle SchoolC · 35% proficient
Top high schools
- Cold Spring Harbor High SchoolA+ · 93% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Lloyd Harbor school and its grade on SchoolGrade.
Lloyd Harbor measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Lloyd Harbor against the other 50,332 towns.
Common questions about living in Lloyd Harbor
Is Lloyd Harbor a good place to live?
Using BestNeighborhood's default rankings, Lloyd Harbor ranks 863rd of 50,333 towns. It scores highest on good schools, what local pay buys, and high incomes, and lowest on long commutes and childcare costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Lloyd Harbor expensive to live in?
The median home is worth $1,598,848. The overall cost of living runs about 34% above the national average. Set against a $235,545 median income, cost of living beats 100% of towns.
Is Lloyd Harbor safe?
Yes, Lloyd Harbor is safer than 56% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $285 per resident a year.
Compare Lloyd Harbor with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Lloyd Harbor. Scores are absolute rather than ranked, which means a 60 in Lloyd Harbor represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Lloyd Harbor detail on BestNeighborhood maps:
- Walk Grade for Lloyd Harbor: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Lloyd Harbor: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Lloyd Harbor: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Lloyd Harbor: carrier by carrier coverage behind the cell score.
Lloyd Harbor detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.