Everything You Should Know Before Moving to Fire Island, NY
Considering a move to Fire Island, NY? This unique barrier island offers a tranquil, car-free lifestyle with a small year-round population of about 300, swelling to over 20,000 in summer. Expect premium housing with a median home price of $850,000, seasonal rental rates, and a cost of living well above the national average. Crime rates are low, with a strong sense of community, and commutes to NYC take about 35 minutes via ferry and train. With its beautiful beaches, relaxed pace, and excellent summer climate, Fire Island is perfect for those seeking a coastal retreat.
Demographics - Fire Island, NY
Demographics - Fire Island, NY
Fire Island has a small year-round population of about 300 residents, which expands to over 20,000 in the summer, making it a peaceful community most of the year and lively during peak season. The median age is 54, indicating a mature population, and the area is predominantly White, with 92% of residents identifying as such. This close-knit demographic makeup contributes to a quiet, neighborly atmosphere ideal for those seeking a slower pace of life.
Population:
300 (year-round); up to 20,000+ (summer seasonal)
Density:
Varies seasonally, ~150 per sq mi (year-round)
Median Age:
54.0
Gender Ratio:
105 males per 100 females
Non-English Speakers Percentage:
7.5%

Ethnic Composition
White:
92.0%
Black:
2.5%
Asian:
1.5%
Others:
4.0%
Cost Of Living
What is the average cost of living in Fire Island, NY?
Living on Fire Island comes with a high cost of living, with a median home value around $850,000 and a cost of living index of 178, far above the national average. Rent varies dramatically by season, with off-season rates about $2,500 per month and peak summer rents exceeding $8,000. Expenses for groceries, utilities, and transportation are also above national norms, reflecting the island's premium coastal lifestyle.
Median House Value:
$850,000
Gross Rent:
$2,500 (off-season); $8,000+ (peak summer/month)
Monthly Electricity Charges:
$180
Auto Insurance:
$2,200
House Owner Cost With Mortgage:
$3,300
House Owner Cost Without Mortgage:
$1,250
State Taxes:
Low:
4%
|
High:
10.9%
Cost Of Living Index:
178
Grocery:
130
Housing:
235
Utilities:
129
Transportation:
145
Health Care:
115
Miscellaneous:
122
Crime
Is Fire Island, NY a safe place to live?
Fire Island boasts very low crime rates, with violent crimes at just 70 per 100,000 people and property crimes at 680 per 100,000. The odds of encountering a violent crime are 1 in 1,430, making the island one of the safer communities in the region. This safety, combined with a strong sense of community, is a major draw for residents and seasonal visitors alike.
Violent Crimes Per 100k:
70 (year-round average; very low)
Property Crimes Per 100k:
680
Crime Index:
750
Chance Of Violent Crime:
1 in 1,430
Chance Of Property Crime:
1 in 147
Weather
What is the weather like in Fire Island, NY year-round?
Fire Island enjoys a temperate coastal climate, with mild winters (lows around 27°F) and warm, breezy summers (highs near 80°F). The island receives about 46.5 inches of annual rainfall and sees sunshine on 58% of days, making it ideal for those who love outdoor recreation and beach activities. Seasonal changes are distinct but rarely extreme, contributing to its appeal as a summer destination.

Winter
Min:
27°F
Max:
39°F

Spring
Min:
44°F
Max:
64°F

Summer
Min:
66°F
Max:
80°F

Fall
Min:
50°F
Max:
69°F
Average Rainfall Inches:
46.5 inches
Sunny Days Percentage:
58%
Neighbors
The island's residents enjoy a comfortable quality of life, with a median household income of $89,000 and a poverty rate of just over 7%. Educational attainment is high, with nearly 95% completing high school and over half holding a bachelor’s degree or higher. While many work locally or remotely, about 13% commute to the mainland for work, typically traveling about 35 minutes to NYC via ferry and train.
Median Income:
$48,000
Household Income:
$89,000
Family Income:
$96,500
Per Capita Income:
$57,000
Income Male:
$60,000
Income Female:
$49,000
Poverty Rate:
7.1%
Non English Speakers:
7.5%
Rent:
$2,500 (off-season avg)
Unemployment Rate:
5.2%
Public Transport Usage:
13.2% (mainland commuters)
Commute Time:
35 minutes (to NYC via ferry + train)

Education
High School or Higher:
94.8%
Bachelors or More:
51.1%
Education
How are the schools in Fire Island, NY?
Fire Island offers a single public elementary school, Woodhull School, with small class sizes and a favorable student-teacher ratio, providing a supportive learning environment. There are no private schools on the island, but families have access to excellent higher education options like Stony Brook University and Suffolk County Community College within 35 miles on the mainland. The community places a strong emphasis on education, as reflected in its high educational attainment levels.

Public Schools
Name:
Woodhull School (K-6, Fire Island UFSD)
Street:
99 Maple Walk, Ocean Beach
Phone:
631-583-5626
Students:
55
Student Teacher Ratio:
8.5

Private Schools
Name:
No private schools on Fire Island

Colleges
Name:
Stony Brook University
City:
Stony Brook
State:
NY
Distance:
35 miles (mainland)
Students:
26,000
Name:
Suffolk County Community College
City:
Selden
State:
NY
Distance:
29 miles (mainland)
Students:
22,000
Healthcare
Fire Island residents have access to quality healthcare, with major hospitals like Good Samaritan University Hospital and South Shore University Hospital located nearby on Long Island. The area boasts a high rate of health insurance coverage at 94.6% and a solid physician ratio of 2.7 per 1,000 people, ensuring prompt medical care when needed. Emergency services are readily available for both year-round and seasonal residents.

Major Hospitals
Name:
Good Samaritan University Hospital
Address:
1000 Montauk Hwy, West Islip, NY 11795
Phone:
(631) 376-3000
Type:
General & Emergency
Emergency Services:
Yes
Name:
South Shore University Hospital
Address:
301 E Main St, Bay Shore, NY 11706
Phone:
(631) 968-3000
Type:
General & Emergency
Emergency Services:
Yes
Physicians Per 1000:
2.7
Health Insurance Coverage:
94.6%
Health Care Index:
76.3
Housing Market
What is the housing market like in Fire Island, NY?
Fire Island's housing market is characterized by premium home prices, with a median value of $850,000 and peak summer rentals over $8,000 per month. Most homes are owner-occupied (85%), reflecting the island’s stable residential base, and property values have appreciated by 6% over the past year. Seasonal demand drives up rental prices, while the off-season sees higher vacancy rates.
Median Home Price:
$850,000
Average Rent For 2 Bedroom:
$2,500 (off-season); $8,000+ (peak summer/month)
Owner Occupied Rate:
85%
Rental Vacancy Rate:
22% (off-season)
Home Appreciation Rate (1yr):
6.0%
New Construction Rate:
0.5%
Foreclosure Rate:
0.2%
DMV Information
Vehicle registration and licensing for Fire Island residents are managed by the New York State Department of Motor Vehicles, located in nearby Commack. Residents can access DMV services for renewals, licensing, and registrations either online or at the local office. The island’s car-free lifestyle means fewer personal vehicles are needed, but DMV resources remain accessible for those who require them.
State:
New York
Department:
New York State Department of Motor Vehicles
Address:
250 Veterans Memorial Hwy, Commack, NY 11725
Phone:
1-718-477-4820
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.