Lloyd Harbor, New York.
Typical home $2,250,042 (+4.6% in a year). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$5,463 (+86%) since Jan 2020.
- 1 year
- Up $99,741 +5%
- $2,150,301$2,250,042 since Sep 2025
- 5 years
- Up $220,790 +11%
- $2,029,252$2,250,042 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Lloyd Harbor$11,810
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 34 years.
Typical home values in Lloyd Harbor, NY rose 4.6% over the past year — faster than the nation's +1.2%.
Living in Lloyd Harbor, Suffolk County, New York
Lloyd Harbor is a village of 3,571 people in Suffolk County. 97% of its homes are lived in by their owners and 3% are rented. Unemployment in Suffolk County was 4.1% in August 2026, and the county had 1.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lloyd Harbor is a small village on the North Shore of Long Island, in Suffolk County. Nearly everyone owns their home, and typical home values are well above what most of the country sees. Residents are older than in many places, almost all adults hold a four-year degree, and very few live below the poverty line.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in banks, insurance and property, and in shops. Across Suffolk County, some of the largest workplaces are Stony Brook University Hospital, Stony Brook University and South Shore University Hospital. The commute is long, and a good number of people work from home. Unemployment in the county is about where it was a year ago, and the county has added a few more jobs.
Things to do. The best known places nearby are in New York City, a longer drive away. They include the Metropolitan Museum of Art, a museum, and Central Park, a garden. The Bronx Zoo is another longer drive away. Winters are cold and summers warm, with a fair amount of rain and melted snow through the year, so a day in the city suits almost any season.
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- 1,168households
- 74%of adults have a degree
- 2%below the poverty line
- 46 mintypical commute
- 28%work from home
What residents work in
Employed residents by industry, from the Census survey. Suffolk County had 689,858 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 24°; warmest in July, with highs near 83° and lows near 66°. About 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Centerport weather station, 4 miles away (NOAA).
Largest workplaces in Suffolk County
- Stony Brook University HospitalGeneral hospital8,738FTE
- Stony Brook UniversityUniversity or college5,585
- Canon USACopier rental or leasing4,982
- South Shore University HospitalGeneral hospital3,739FTE
- Good Samaritan HospitalGeneral hospital3,305FTE
- New York Cancer & Blood SpecialistsOncologists' offices2,917
- Huntington HospitalGeneral hospital2,760FTE
- Internal Revenue ServiceFederal government · Department of the Treasury2,511
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 974 workplaces with 20 or more staff, 152,960 people in all across the county; Lloyd Harbor has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lloyd Harbor’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Suffolk County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Lloyd Harbor home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lloyd Harbor$2,250,042
- New York$524,942
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lloyd Harbor16
Zip codes with a Lloyd Harbor address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lloyd Harbor — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.