An overview of the general cost of living index for Lloyd Harbor, NY is displayed above for your reference. Residents in Lloyd Harbor, NY enjoy a cost of living index of 323. This index is 169% higher than the New York average, and 223% higher than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Lloyd Harbor, NY, the average cost of goods and services is 11% higher than it is in New York, and it is 22% higher than the national average.