Market Overview
Home Prices in Lloyd Harbor, NY
The median home value in Lloyd Harbor, NY is $2,272,286 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.6% compared to a year ago and down 4.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lloyd Harbor are priced454% above average. Lloyd Harbor is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Lloyd Harbor home values have risen by approximately6.0%, reflecting steady appreciation in this market.
Price History
Lloyd Harbor Home Price Trend
City Comparison
Lloyd Harbor vs. National Median
At $2,272,286, homes in Lloyd Harbor cost 454% above the national median of $410,000. Buyers in Lloyd Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Lloyd Harbor?
20% Down Payment
$454,457
on $2,272,286
Monthly P&I
$11,851/mo
30-yr @ 6.8%
Total Monthly Est.
~$15,051/mo
incl. taxes & insurance
Income Needed
$602,040
gross annual (30% rule)
10% Down Option
$227,229
+ PMI applies
Loan Amount (20% dn)
$1,817,829
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Lloyd Harbor, NY?
The median home value in Lloyd Harbor is $2,272,286 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.6% year-over-year.
How much have home prices changed in Lloyd Harbor?
Over the past year, home values in Lloyd Harbor have decreased by 2.6%. Over five years, prices have risen approximately 6.0%.
How much do I need to earn to buy a home in Lloyd Harbor?
To comfortably afford the median home price of $2,272,286 with a 20% down payment ($454,457) at today's rates (6.8%), you'd need a gross annual income of approximately $602,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Lloyd Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $2,272,286, homes in Lloyd Harbor are 454% above the national average.
What metro area is Lloyd Harbor part of?
Lloyd Harbor is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.