Cost of living in Lloyd Harbor, New York

Lloyd Harbor, New York has about 3,565 people. That count is a 2020–2024 Census average, not a headcount from one day.

A typical home is worth about $1,533,800.

HUD's fair-market rent for a 2-bedroom in Suffolk County is $2,689 a month. That is the county number, not an apartment listing in Lloyd Harbor. It runs from October 2026 through September 2027.

In the New York-Newark-Jersey City, NY-NJ metro area, prices sit at 112.6 when the U.S. average is 100. That is a 2024 BEA index.

New York taxes wages. A typical combined sales tax is 8.5% as of January 1, 2026. That mix is statewide, not Lloyd Harbor's exact store tax.

Some places in New York add a local wage tax. In 2023 the state average was about 1.60% of income. That is not a Lloyd Harbor bill.

In July 2026, a typical New York home paid 29.90¢ per kilowatt-hour. That is a state average from EIA, not Lloyd Harbor's bill.

In 2025, all-grades gas in New York averaged $3.18 a gallon. EIA prints this yearly price for only some states.

Among 745 places we list in New York with a rent figure, 290 have higher typical rent than Lloyd Harbor.