Everything You Should Know Before Moving to Harbor Island, NY
Considering Harbor Island, NY for your next move? This charming coastal community of 6,800 residents features high educational attainment, a strong median household income of $185,000, and a strikingly low crime rate—just 73 violent crimes per 100K. While the cost of living is elevated, with median home prices around $1.2M and rents averaging $2,950, you’ll enjoy top-rated schools, excellent healthcare access, and a scenic setting with 56% sunny days. Average commutes take 41 minutes, making it a peaceful haven within reach of NYC amenities.
Demographics - Harbor Island, NY
Demographics - Harbor Island, NY
Harbor Island is home to about 6,800 residents, with a median age of 45.1, reflecting a mature and settled community. The population is predominantly White at 74.5%, with notable Asian and Black communities, and nearly one in five speak a language other than English at home. The city’s high population density offers a lively, close-knit neighborhood atmosphere.
Population:
6,800
Density:
5,400 per sq mi
Median Age:
45.1
Gender Ratio:
92 males per 100 females
Non-English Speakers Percentage:
18.4%
Ethnic Composition
White:
74.5%
Black:
5.1%
Asian:
7.3%
Others:
13.1%
Cost Of Living
What is the average cost of living in Harbor Island, NY?
The cost of living in Harbor Island is considerably higher than the national average, driven largely by a median home value of $1.2 million and average rents of $2,950 per month. Utilities and transportation costs are also elevated, and state income taxes can reach up to 10.9%. Residents should expect premium expenses but also enjoy a high quality of life and well-maintained amenities.
Median House Value:
$1,200,000
Gross Rent:
$2,950
Monthly Electricity Charges:
$170
Auto Insurance:
$2,200
House Owner Cost With Mortgage:
$4,100
House Owner Cost Without Mortgage:
$1,250
State Taxes:
Low:
4.0%
|
High:
10.9%
Cost Of Living Index:
167.5
Grocery:
131.0
Housing:
210.0
Utilities:
125.0
Transportation:
138.0
Health Care:
119.0
Miscellaneous:
115.0
Crime
Is Harbor Island, NY a safe place to live?
Harbor Island boasts a low crime rate, with only 73 violent crimes per 100,000 residents and a 1 in 1,370 chance of experiencing violent crime. Property crime is also relatively rare, contributing to a strong sense of safety and security for families and individuals alike. This makes the city an attractive choice for those prioritizing peace of mind.
Violent Crimes Per 100k:
73
Property Crimes Per 100k:
624
Crime Index:
697
Chance Of Violent Crime:
1 in 1,370
Chance Of Property Crime:
1 in 161
Weather
What is the weather like in Harbor Island, NY year-round?
Residents of Harbor Island experience all four seasons, with mild summers reaching up to 84°F and chilly winters dipping to 24°F. The city receives around 48.5 inches of rainfall annually and enjoys sunshine about 56% of the year. The temperate climate supports a variety of outdoor activities throughout the year.
Winter
Min:
24°F
Max:
38°F
Spring
Min:
44°F
Max:
65°F
Summer
Min:
65°F
Max:
84°F
Fall
Min:
48°F
Max:
70°F
Average Rainfall Inches:
48.5 inches
Sunny Days Percentage:
56%
Neighbors
Harbor Island features affluent neighbors with a median household income of $185,000 and a low poverty rate of just 3.2%. The area is highly educated, with nearly 68% holding a bachelor’s degree or higher, and boasts a low unemployment rate of 2.5%. Residents benefit from vibrant community life and strong economic stability.
Median Income:
$62,000
Household Income:
$185,000
Family Income:
$210,000
Per Capita Income:
$85,000
Income Male:
$100,000
Income Female:
$72,000
Poverty Rate:
3.2%
Non English Speakers:
18.4%
Rent:
$2,950
Unemployment Rate:
2.5%
Public Transport Usage:
23.1%
Commute Time:
41.2 minutes
Education
High School or Higher:
97.3%
Bachelors or More:
68.2%
Education
How are the schools in Harbor Island, NY?
Families in Harbor Island benefit from excellent public and private schools, with student-teacher ratios around 13:1 and high graduation rates. The city is also near well-regarded colleges such as Iona University and Manhattanville College, providing strong options for higher education. The local commitment to learning is reflected in the area’s high educational attainment.
Public Schools
Name:
Mamaroneck Avenue School
Street:
850 Mamaroneck Ave
Phone:
914-220-3700
Students:
670
Student Teacher Ratio:
13.1
Name:
Hommocks Middle School
Street:
130 Hommocks Rd
Phone:
914-220-3300
Students:
1,120
Student Teacher Ratio:
12.7
Private Schools
Name:
French-American School of New York
Street:
320 E Boston Post Rd
Phone:
914-250-0001
Students:
380
Colleges
Name:
Iona University
City:
New Rochelle
State:
NY
Distance:
4 miles
Students:
4,000
Name:
Manhattanville College
City:
Purchase
State:
NY
Distance:
10 miles
Students:
2,900
Healthcare
Residents have convenient access to major hospitals like Montefiore New Rochelle and White Plains Hospital, both offering comprehensive emergency and surgical services. With 3.1 physicians per 1,000 people and health insurance coverage at 96.4%, quality healthcare is readily available. The city’s strong healthcare infrastructure ensures peace of mind for families and retirees.
Major Hospitals
Name:
Montefiore New Rochelle Hospital
Address:
16 Guion Pl, New Rochelle, NY 10801
Phone:
(914) 632-5000
Type:
General & Surgical
Emergency Services:
Yes
Name:
White Plains Hospital
Address:
41 E Post Rd, White Plains, NY 10601
Phone:
(914) 681-0600
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
3.1
Health Insurance Coverage:
96.4%
Health Care Index:
81.5
Housing Market
What is the housing market like in Harbor Island, NY?
Harbor Island’s housing market is robust and competitive, with a median home price of $1.2 million and owner-occupancy at 74.2%. The area has seen healthy appreciation rates of 7.4% over the past year, while rental vacancy is low at 3.7%. Buyers and renters alike will find a stable market with high demand and limited new construction.
Median Home Price:
$1,200,000
Average Rent For 2 Bedroom:
$2,950
Owner Occupied Rate:
74.2%
Rental Vacancy Rate:
3.7%
Home Appreciation Rate (1yr):
7.4%
New Construction Rate:
1.3%
Foreclosure Rate:
0.3%
DMV Information
Motor vehicle services for Harbor Island residents are provided by the New York State Department of Motor Vehicles, conveniently located in White Plains. The DMV offers a full range of licensing, registration, and title services both in person and online. Residents can access more information and make appointments through the official DMV website.
State:
New York
Department:
New York State Department of Motor Vehicles
Address:
200 Hamilton Ave, White Plains, NY 10601
Phone:
1-518-486-9786
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.