Each edition grades its towns against each other only.
A town of 3,587, settled in 1926.
Few places in the country grade higher. Lloyd Harbor earns an A+, ranked 40th of 745 in New York. The median household earns $250K, residents are healthier than 98% of U.S. towns on CDC estimates, and its public schools beat 95% of New York towns on state tests and graduation. The exception is cost of living: homes are expensive, about $2.2 million for a typical one and 22.7 times the New York metro’s $99K median household income. 74% of adults 25 and older hold a bachelor’s degree or more in Lloyd Harbor, where New York’s towns sit at 32% and U.S. towns at 29%. On hazard risk, just 14 of New York’s 1,216 towns do better. The biggest place to walk is Caumsett, 1,531 acres with 31.9 miles of trail.
Where Lloyd Harbor beats most towns.
27.4% of the town is conserved land, across 10 parks and preserves.
Each subject compared with towns across the country (schools within New York), ordered by how far Lloyd Harbor is from typical.
Its grades run from A+ for jobs and income (better than 99% of comparable towns) to D for cost of living (better than 5%), so the A+ overall blends very different results.
How TownRatings grades towns →
Census counts: 480 in 1930, 3,571 in 2020. The archive holds 12 old photos and papers going back to 1834 and 3 maps from 1901 on.
Museums, parks, gardens and other places to visit around Lloyd Harbor. Close and well known come first.
Big draw29 mi GardenCentral Park40.0M visitors a year
Big draw31 mi Stadium & arenaMadison Square Garden
Big draw30 mi TheatreStudio 54
Big draw29 mi MuseumMetropolitan Museum of Art2.0M visitors a year
Big draw34 mi Stadium & arenaMetLife Stadium
Big draw26 mi Stadium & arenaYankee StadiumCentral Park: Ed Yourdon from New York City, USA, CC BY-SA 2.0 · Madison Square Garden: Ajay Suresh from New York, NY, USA, CC BY 2.0 · Studio 54: Americasroof (talk), CC BY-SA 3.0 · Metropolitan Museum of Art: Hugo Schneider, CC BY-SA 2.0 · MetLife Stadium: babyknight, CC BY 2.0 · Yankee Stadium: Matt Boulton, CC BY-SA 2.0
Who provides power, water and the rest in Lloyd Harbor, and how to reach them.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Aug 3, 2026.
Ordered by what stands out in Lloyd Harbor.
Lloyd Harbor has more trail for its size than nearly any town in New York and has less food insecurity than most of New York, but it has homes that cost more against local pay than most of New York.
At 22.7 years of the New York metro’s $99K median household income, the typical home (about $2.25M) costs more against local pay than in 99% of New York towns; that ratio is one input to its D for cost of living. Its typical home is the priciest on its borders; Cold Spring Harbor is next at $1.9M.
97% of households own their home in Lloyd Harbor. Typical home values rose 4.6% in the year to September 2026.
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
At 3.6 miles of trail per square mile, it ranks #3 of 617 New York towns.
The trail density in Lloyd Harbor is 3.6 miles per square mile. 38 miles of trail in 10 parks and preserves.
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Caumsett | 31.9 mi | 1,531 |
| 2. Target Rock National Wildlife Refuge | 1.2 mi | 82 |
| 3. Matheson Meadows | 0.9 mi | 40 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Its widest gap with New York is food insecurity: 6.5% of its 2,700 adults worry about having enough food, against 17.2% statewide. Against the 436 U.S. towns with household incomes like Lloyd Harbor’s, it is healthier than 57%, a smaller edge than it has nationally: part of it comes with its incomes.
26% of Lloyd Harbor adults feel lonely. Lloyd Harbor beats the New York average on 19 of 32 CDC measures and trails it on 1. 12% of Lloyd Harbor adults report frequent mental distress.
| Lloyd Harbor | New York towns | U.S. towns | |
|---|---|---|---|
| Feel lonely (CDC PLACES) | 26% | 32% | 33% |
| Frequent mental distress (CDC PLACES) | 12% | 16% | 17% |
| Smoke cigarettes (CDC PLACES) | 6.9% | 13% | 14% |
| Depression (CDC PLACES) | 16% | 21% | 23% |
| What stands out | Lloyd Harbor | NY |
|---|---|---|
| Fewer adults facing food insecurity | 6.5% | 17.2% |
| Fewer adults facing housing insecurity | 6.1% | 14.5% |
| More adults who have had cancer | 10.1% | 7.7% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Expected storm and flood damage is lower than in 98% of U.S. communities. Since 1983, 17 flood insurance claims have been paid out in Lloyd Harbor.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
Lloyd Harbor has 376 jobs for its 1,323 working residents: even if every job went to a resident, most would still commute out. The average commute takes 46.5 minutes, against 32.6 across New York.
Most working residents leave Lloyd Harbor for work: only 3% work in town. Lloyd Harbor’s average trip to work is 47 minutes. Jobs based in Lloyd Harbor grew to 376 in 2023, 216 more than in 2013.
| Lloyd Harbor | New York towns | U.S. towns | |
|---|---|---|---|
| Average trip to work | 47 minutes | 25 minutes | 25 minutes |
| Median household income | $250,000 | $82,000 | $80,000 |
| Below the poverty line | 2.1% | 9.5% | 9.6% |
| Working residents who work in town | 3.3% | 10% | 8% |
Census LEHD 2023 · ACS
Lloyd Harbor has chilly, snowy winters and warm summers. July afternoons reach 84°, January nights drop to 25° and about 32 inches of snow falls in a winter.
NOAA U.S. Climate Normals, 1991–2020
Lloyd Harbor's reported crime rate is well below New York's. Most reported incidents are property crimes, mainly thefts. No violent crimes were reported in 2025.
| Lloyd Harbor | New York towns | U.S. towns | |
|---|---|---|---|
| Violent crimes per 1,000 (2025) | 0 per 1,000 residents | 0.8 | 1.6 |
| Property crimes per 1,000 (2025) | 3.6 per 1,000 residents | 7.6 | 9.9 |
FBI crime data, 2025 · crimes reported to police
8 within 15 miles of the center of Lloyd Harbor
About 5 of every 100 Lloyd Harbor residents are enrolled in college, against 7 across New York.
Coastal flooding makes up 11% of the storm damage FEMA expects here.
FEMA National Risk Index · OpenFEMA · OpenStreetMap
Village in New York, United States
Lloyd Harbor is a village in the Town of Huntington in Suffolk County, on the North Shore of Long Island, in New York, United States. As of the 2020 census, Lloyd Harbor had a population of 3,571.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
4 towns share a border with Lloyd Harbor.
| Town | NY rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Lloyd Harbor | #40 | A+ | D | — | A+ | A+ |
| Huntington | #61 | A | D− | — | A | A+ |
| Oyster Bay | — | — | D− | — | — | A+ |
| Cold Spring Harbor | — | — | — | — | — | — |
| Huntington Bay | — | — | D− | — | B− | A+ |
Huntington Bay has fewer than 2,500 residents, so it gets subject grades but no overall grade. Lloyd Harbor, Huntington, Oyster Bay and Huntington Bay report no FBI crime data of their own. Oyster Bay and Cold Spring Harbor aren’t graded (fewer than 1,000 residents, or not enough data). Compare Lloyd Harbor with a neighbor →
Short answers, built from the data on this page.
Yes, by almost any measure. Lloyd Harbor grades A+ overall, better than 96% of U.S. towns and #40 of 745 in New York. It grades A+ for health and A+ for schools. Cost of living is its weak spot, with a D.
Yes. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D.
2 notable people were born here, including Ryan Vesce and Amanda Forsythe.
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