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Lloyd Harbor Real Estate Market Facts

  • $1,373,400Median home price
    380% higher than New York
  • $0Median rent asked
    100% lower than New York
  • 96.0%Home owners
    79% higher than New York
  • 2.6People per home
    1% higher than New York
Above is a snapshot look at the real estate market in Lloyd Harbor, NY. In Lloyd Harbor, NY, the median house price is $1,373,400, making the price 380% higher than that the average for New York. Therefore, the affordability of Lloyd Harbor, NY area real estate is less affordable than the real estate in other areas of New York. In addition, Lloyd Harbor, NY has a median rent price of $0; this price is 100% lower than that the average rental price for New York. 96.0% of residents in Lloyd Harbor, NY are homeowners, and the average amount of people who reside in each home is 2.6. Lloyd Harbor, NY has a wide array of real estate options available, ranging from cost-friendly condos to high-end luxury homes. We filter listings by number of bathrooms and bedrooms, price and area to simplify the search process for Lloyd Harbor, NY real estate for sale.

Lloyd Harbor Home Affordability

  • $1,373,400Median home price
    380% higher than New York
  • $223,036Median home income
    267% higher than New York
  • 6.2xHome price to income ratio
    31% higher than New York
When looking for real estate in Lloyd Harbor, NY, nothing is more important than affordability. There are several methods to calculate the affordability of a home, but perhaps the best way is the home price to median household income ratio. In Lloyd Harbor, NY, the median price of a home is $1,373,400 and $223,036 is the median household income. This means that the home price to income ratio is 6.2x, a ratio that is 31% higher than the average in New York. The median home price is divided by the median home income to calculate the home affordability ratio. Homes in Lloyd Harbor, NY will be more financially accessable if the ratio has a lower than average home price to home income. These are not the only aspects to look at when determining the affordability of a home. A home affordability calculator offers a much more exact overview of the true affordability of a property. Use the calculator below to better determine how much you can pay for real estate in Lloyd Harbor, NY.

Lloyd Harbor Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
Before beginning your real estate search in Lloyd Harbor, NY, you can target your search for the perfect home with the help of the home affordability calculator. Using the home affordability calculator you can figure out exactly how much you can spend on your new home in Lloyd Harbor, NY. The home affordability calculator takes into account your gross income, debts, and the amount of the down payment that you have available to put towards your new home. The calculator even allows you to calculate financial details like length of mortgage term, mortgage rate, property taxes, and HOA dues to determine your budget. With such a detailed and customized estimate of what homes you can afford in Lloyd Harbor, NY, this can prevent you from making an emotional investment in a home that is out of your price range. The home affordability calculator gives you the opportunity to accurately plan your total budget for housing, living expenses, and how much money you will have left to put aside for savings.

Lloyd Harbor Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
If I buy real estate in Lloyd Harbor, NY, how much will I have to pay per month? A number of factors can affect the size of monthly payments involved in a home purchase. Naturally, the cost of the home is the main factor. Beyond the price, however, you will also have to look at the loan term, down payment, interest rate, home insurance and property taxes as well as HOA dues and PMI, or private mortgage insurance. Of course, for homeowners who can put at least 20 percent on a down payment, PMI payments would not exist. Details like these are presets in the mortgage calculator, and adjustments can be made to ensure the accuracy of monthly payment estimates. Just remember that the DTI, or debt-to-income ratio, should generally be kept at or below 36 percent. In other words, you are paying 36 percent or less of your monthly income towards all of your debts.

Lloyd Harbor Demographics

  • 3,696Population
  • 395People / sq mile
  • 46.0Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Wyandanch, NY10,722$238,00029%
Central Islip, NY34,724$252,70037%
Brentwood, NY61,438$280,80052%
Baywood, NY7,415$281,60052%
North Bay Shore, NY21,377$282,00053%
Lloyd Harbor, NY3,696$1,373,400644%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Ajo, AZ3,696$77,60058%
Aurora, IN3,697$120,30035%
Windsor, NC3,694$96,20048%
Ross, OH3,693$158,70014%
Collinsville, CT3,693$259,10040%
Lloyd Harbor, NY3,696$1,373,400644%
Source: The Lloyd Harbor, NY housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).