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Head of the Harbor, NY Area Profile

Head of the Harbor, New York Area, NY

Cost of Living

A quick read on everyday affordability around Head of the Harbor, with the main cost drivers separated for scanning.

Composite Index

95.8

Grocery Index

9.1

Housing Index

8.6

Transportation Index

7.2

Cost of living summary
MetricValue
Composite cost index95.8
Grocery index9.1
Housing index8.6
Transportation index7.2

What to Watch

  • For Head of the Harbor, the useful affordability read is the mix of housing, utilities, and local income rather than one headline number.
  • Home values are high, making down payment and insurance assumptions especially important.
  • Use Nissequogue, NY as a same-state comparison point before treating one NY value as typical.
View New York cost of living report

Utilities

Monthly utility patterns and baseline household costs for power, water, gas, and fuel.

Electric Rate Consumption

Monthly electric index
JanFebMarAprMayJunJulAugSepOctNovDec
222834456274485667826157

Water Consumption

Monthly water index
JanFebMarAprMayJunJulAugSepOctNovDec
664844363026343733554958

Gas Rate (CCF)

Monthly gas index
JanFebMarAprMayJunJulAugSepOctNovDec
283643526147556349455257
Everyday utility costs
MetricValue
Electricity rate$0.286/kWh
Gasoline price$3.28/gal
Water bill avg$48/mo
Gas rate$1.18/CCF
View New York utilities report

Demographics

Population, age mix, education, and income context for understanding the local community.

Population Age Pyramid

Age mix index
Age bandMaleFemale
0-96864
10-197571
20-348378
35-499290
50-6410097
65-748488
75+7279

Income Distribution

Income bracket index
BracketIndex
Under $35k72
$35k-$49k88
$50k-$74k100
$75k-$99k79
$100k+52

Annual Income Distribution

Median household$63,200
Per capita$33,900
Poverty rate9.8%
Community snapshot
MeasureEstimate
Population1,378
Median age46.6
Bachelor+65.0%

Schools

School performance and classroom context in a compact local snapshot.

Test Score Trends

Test score trend
201920202021202220232024
424851575964

Grocery Index

9.1

Housing Index

8.6

Transportation Index

7.2

Utility Index

7.9

School snapshot
IndicatorValue
Math proficiency53%
Reading proficiency58%
Student-teacher ratio14:1

Helpful Context

  • Year-to-year school figures can move more in smaller places, so compare Head of the Harbor with nearby districts too.
  • A single score rarely explains the full school picture for Head of the Harbor; program fit and attendance zones matter too.
  • Nearby city pages can help separate Head of the Harbor-specific signals from broader New York patterns.

Local Economy

A simple labor-market snapshot showing local job mix, wages, and workforce size.

Industry Job Types

Industry job mix
IndustryShareIndex
Manufacturing31%74
Agriculture26%64
Healthcare19%52
Retail14%39
Other Services10%31
Local economy snapshot
MetricValue
Unemployment4.6%
Median wage$250,001
Labor force264

Climate

Winter avg: 15 degrees F - Summer avg: 82 degrees F - Snowfall: 43 in

Local Takeaways

  • The job market is balanced enough to compare wages against nearby employment hubs for Head of the Harbor and the surrounding New York labor market.
  • The median household income value is $250,001 when ACS data is available for this place.
  • Use the economy card with housing and taxes to judge whether Head of the Harbor works for a specific household budget.

Real Estate

Home values, property taxes, and rental context in one housing-focused snapshot.

Median Home Value Trend

Median home value trend
201920202021202220232024
$154k$161k$172k$181k$186k$189k

Property Tax Breakdown

  • County levy: 42%
  • School district: 34%
  • City/other: 24%
Housing and tax snapshot
IndicatorValue
Median home value$1,123,900
Median property tax paid$10,001
Estimated state sales tax rate7.39%
Rent (2-bed)$2,833/mo
View New York property tax report

Climate

A compact view of weather patterns and natural-risk context for the area.

Avg High (Jul)82°F
Avg Low (Jan)8°F
Humidity72%

Climate Snapshot

Reference
Now--
Condition--
Wind--
Today--

Climate context is provided for planning and comparison.

Climate snapshot
MeasureValue
Sunny days196
Annual snowfall43 in
NOAA hazard risk scoreModerate

Planning Notes

  • Use the climate panel as a planning screen for Head of the Harbor; property-specific exposure still needs local review.
  • Utility planning matters because electricity is above many state baselines, so seasonal usage can matter.
  • Compare climate and insurance sections together before using Head of the Harbor as a relocation shortlist.

Insurance

Location-based risk and cost pressure signals that can affect insurance pricing.

Risk IndexModerate
Weather RiskMedium
Cost PressureLow
Insurance summary
IndicatorEstimate
Insurance cost index95
NOAA hazard risk scoreModerate
Primary local riskWinter weather

What Affects Rates

  • Insurance pricing for Head of the Harbor still depends on the address, structure age, roof condition, and carrier appetite.
  • Local claims history, coverage limits, deductibles, and property condition can outweigh broad NY averages.
  • Compare with Nissequogue, NY for a broader read on New York insurance pressure.
View New York insurance report

Head of the Harbor Facts

Fast factual reference points for Head of the Harbor, combining available ACS, EIA, and BLS signals.

Head of the Harbor, NY facts
FactValueSource context
Population1,378ACS place estimate
Median household income$250,001ACS household estimate
Median home value$1,123,900ACS housing estimate
Median age46.6ACS demographic estimate
Bachelor+ share65.0%ACS education estimate
Residential electric rate$0.286/kWhEIA state residential rate

Helpful Context

  • Head of the Harbor is treated as a very small-community profile in this dashboard.
  • City-specific ACS values are used when the place matches; state-level API values fill statewide measures.
  • Use these facts as a fast NY screen before checking address-level records or provider quotes.

Head of the Harbor Local Data Brief

This section is generated from cached city metrics and clearly labeled state-level benchmarks. It is meant to make the Head of the Harbor page less generic and more useful for comparing housing, income, utilities, taxes, insurance, demographics, and nearby alternatives.

Head of the Harbor, NY local metrics and source context
MetricValueHow to read it
Population1,378Head of the Harbor is treated as a very small-community place for comparison.
Median household income$250,001Household income runs high enough that housing choice can dominate affordability.
Median home value$1,123,900Home values are high, making down payment and insurance assumptions especially important.
Two-bedroom rent$2,833/moRent gives a renter-side affordability baseline beside owner costs.
Median property tax paid$10,001Property tax should be read with mortgage, insurance, and home value.
Residential electric rate$0.286/kWhThis is a state-level EIA benchmark, not a city utility quote.
Unemployment4.6%This is a state-level BLS labor-market benchmark.
Median age46.6Age mix can affect housing demand, commute needs, and school planning.
Bachelor+ share65.0%Education mix can help frame labor-market and school-context questions.

Affordability Summary

Population is 1,378, so Head of the Harbor should be compared with similar-size places before using broader New York averages. Median household income is $250,001, so the best affordability read for Head of the Harbor is income versus housing, taxes, utilities, and insurance together.

Median home value is $1,123,900, so ownership costs in Head of the Harbor should be checked with mortgage, property tax, insurance, and maintenance assumptions. Two-bedroom rent is $2,833/mo, so renters can compare Head of the Harbor against ownership costs and nearby rental markets.

Housing and Income Context

For Head of the Harbor, household income runs high enough that housing choice can dominate affordability. Home values are high, making down payment and insurance assumptions especially important.

Use the home value, rent, and income fields together before deciding whether Head of the Harbor looks more favorable for renting, buying, or comparing with Nissequogue, NY.

Utility Cost Context

The residential electricity benchmark is $0.286/kWh, so Head of the Harbor households should treat usage, home size, heating, and cooling as the practical bill drivers. The electricity value shown for Head of the Harbor is a New York state-level EIA benchmark, so it should not be read as a local provider tariff.

For Head of the Harbor, utility planning is stronger when the electric benchmark is paired with home age, square footage, insulation, HVAC equipment, and household occupancy.

Property Tax Context

Median property tax paid is $10,001, so Head of the Harbor buyers should still verify parcel-specific tax records before budgeting. Parcel boundaries, exemptions, school districts, and reassessment rules can move the actual bill for a Head of the Harbor address.

Compare the property tax field with home value rather than reading it by itself; a lower tax bill can still pair with a different assessment base or exemption profile.

Insurance and Risk Context

Insurance costs in Head of the Harbor depend on address-level factors such as roof condition, structure age, coverage limits, claims history, deductible choice, and carrier underwriting.

Home value, tax burden, and insurance exposure should be reviewed together for Head of the Harbor, especially when comparing with Nissequogue, NY.

Population and Demographics

Median age is 46.6, so Head of the Harbor may have different school, commute, healthcare, and housing demand patterns than a statewide average. Bachelor+ share is 65.0%, so Head of the Harbor education context can be useful when reading labor-market and school sections.

Unemployment is 4.6%, so Head of the Harbor wage and job-market context should be compared with commute options and regional employment centers.

Nearby New York comparison pages
PlacePopulationHome valueElectric benchmark
Nissequogue, NY1,634$1,092k$0.286/kWh
Stony Brook, NY12,827$587k$0.286/kWh
Village of the Branch, NY1,813$656k$0.286/kWh
Nesconset, NY13,344$627k$0.286/kWh

Source Notes

  • City-specific Census ACS values are used when a matching place row exists in the cached city metrics file.
  • Electricity and unemployment fields are state-level EIA and BLS benchmarks, so they are labeled as planning context rather than city quotes.
  • The page should be used as a comparison screen before checking provider rates, parcel records, insurance quotes, school boundaries, and address-level details for Head of the Harbor.

Head of the Harbor Cost Drill-Down

This dashboard keeps the fast local overview on one page, while the linked category reports go deeper into one decision at a time. For Head of the Harbor, the strongest local signals in the current cache are population 1,378, median household income $250,001, median home value $1,123,900, rent $2,833/mo, property tax paid $10,001, and the New York residential electric benchmark $0.286/kWh.

Head of the Harbor category drill-down links and metric context
CategoryPrimary valueSecond valueWhy it matters here
Cost of living $250,001 $1,123,900 Head of the Harbor affordability is mostly a housing-versus-income read: household income runs high enough that housing choice can dominate affordability and home values are high, making down payment and insurance assumptions especially important.
Utility costs $0.286/kWh $2,833/mo Head of the Harbor utility planning should pair the New York electric benchmark with home size, cooling load, appliance use, and occupancy.
Property taxes $10,001 $1,124k Head of the Harbor tax planning should compare the tax-paid field with home value, exemptions, assessment rules, and parcel-level records.
Insurance costs 46.6 65.0% Head of the Harbor insurance context should be read with housing age, replacement cost, roof condition, claim history, and nearby risk patterns.

Budget Fit

Head of the Harbor should be read as a very small-community place where income, home value, rent, taxes, utilities, and insurance need to be checked together. Household income runs high enough that housing choice can dominate affordability, and home values are high, making down payment and insurance assumptions especially important.

Monthly Bills

The electricity value on this page is a New York state-level EIA benchmark, not a city utility tariff. For Head of the Harbor, that benchmark becomes useful when paired with home square footage, cooling load, HVAC age, insulation, and household usage.

Ownership Costs

Median property tax paid is $10,001 and median home value is $1,123,900. That makes the ownership read stronger than a single price estimate because taxes, insurance, maintenance, and financing terms can move the real monthly cost.

Comparison Angle

Use Nissequogue, NY as a local comparison before using a broad NY average. The nearby table below keeps the comparison tied to home value, taxes, and electric benchmarks instead of alphabetical city links.

Labor and Demographics

Unemployment is 4.6%, median age is 46.6, and bachelor-plus share is 65.0%. These fields help frame school demand, commute patterns, wage fit, and service-provider availability around Head of the Harbor.

Source Discipline

City-specific ACS values are used where the place matches the cache. State-level EIA and BLS fields are labeled as benchmarks, so this page does not pretend those values are address-level or city-utility quotes.

Nearby comparison context for Head of the Harbor
PlaceDistanceHome valueProperty taxElectric benchmark
Nissequogue, NY 1 mi $1,092k $10,001 $0.286/kWh
Stony Brook, NY 2 mi $587k $10,001 $0.286/kWh
Village of the Branch, NY 3 mi $656k $10,001 $0.286/kWh
Nesconset, NY 4 mi $627k $10,001 $0.286/kWh
Lake Grove, NY 4 mi $551k $10,001 $0.286/kWh

Data Freshness

This Head of the Harbor, New York dashboard was generated on 2026-06-18. The city metrics cache was refreshed on 2026-06-16; the nearby-city coordinate cache was refreshed on 2026-06-17.

  • City metrics: Census ACS place fields are city-specific where a matching place record exists.
  • State benchmarks: EIA electricity and BLS unemployment values are state-level context, not city provider tariffs or city labor surveys.
  • Nearby comparisons: Distance uses cached Census Gazetteer place coordinates when available.

Regional Data Explorer

Zoom out from Head of the Harbor to nearby cities, New York Area, and New York benchmarks.

Open Explorer
Nearby Cities New York Hub New York Cost Benchmarks

Benchmark Preview

Head of the Harbor 95.8
Home value
$189k
Property tax
$2,190
Electric rate
$0.154/kWh
County Avg 97.4
Home value
$178k
Property tax
$2,240
Electric rate
$0.158/kWh
NY Avg 101.2
Home value
$286k
Property tax
$3,180
Electric rate
$0.162/kWh

Local Service Cost Guides

Use these contractor-cost guides with the Head of the Harbor dashboard to compare local housing, utility, tax, climate, and repair-cost context.

Plumber Rates for Head of the Harbor $85-$165/hr planning range. Leak, drain, fixture, water heater, and emergency plumbing cost planning. Opens the deepest available state guide for Head of the Harbor, New York. Open state guide HVAC Installation for Head of the Harbor $5,500-$14,500 planning range. AC, furnace, heat pump, ductwork, and seasonal system replacement planning. Opens the deepest available national guide for Head of the Harbor, New York. Open national guide Roof Replacement for Head of the Harbor $8,000-$24,000 planning range. Roof replacement, leak repair, flashing, ventilation, and storm-exposure planning. Opens the deepest available national guide for Head of the Harbor, New York. Open national guide Electrician Rates for Head of the Harbor $90-$175/hr planning range. Panel, outlet, EV charger, lighting, wiring, and inspection cost planning. Opens the deepest available national guide for Head of the Harbor, New York. Open national guide

Data note: City-profile values are local estimates for comparison and planning context.