States › New York › Northwest Harbor

Is Northwest Harbor, NY expensive to live in?

CheapRent takes 14 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,99414% higher than U.S. average
💵 Families earn per year (2026)$172,964about $14,414/month · 99% higher than U.S. average
🔑 House price$1,573,300373% higher than U.S. average

Rent is higher than in 69% of U.S. cities. Household incomes are higher than in 94% of U.S. cities. A typical house costs about 9.1 years of household income, so buying is hard for most locals. Most homes (82.3%) are owned, so rentals can be hard to find. It is a highly educated city: 61.4% of adults have a college degree.

How much money do I need?

To rent here comfortably, you should earn about $79,760 a year. That is $38 an hour at a full-time job.

Is rent cheaper than other New York cities?

Yes. Rent here is cheaper than in most of New York. It is number 148 of 343 cities from cheapest to most expensive.

Northwest Harbor
$1,994
Carle Place
$2,366
Elmsford
$2,403
Islip Terrace
$2,913
Liberty
$1,325
Mechanicville
$1,294
Hampton Manor
$1,311

How much do households earn in Northwest Harbor?

Under $25k
17.8%
$25k–50k
8.3%
$50k–100k
11.7%
$100k–150k
23.6%
$150k+
38.1%

Share of households by yearly income. 61.7% of households earn $100,000 or more.

How expensive is Northwest Harbor overall?

Everyday prices in New York overall are 8% above the U.S. average (index 107.9, U.S. = 100).

Housing
122
Goods (food, clothes…)
107
Utilities
134
Other services
104
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Northwest Harbor, so the New York figure is shown.

Taxes and bills in Northwest Harbor

🏛️ Property tax$9,053a year · 0.58% of home value · U.S. $3,119
⚡ Electric bill$232a month (typical) · U.S. $156

Life in Northwest Harbor

Commute to work23.3 minU.S.: 26.4 min
College degree61.4%U.S.: 35.7%
Own their home82.3%U.S.: 65.2%
Below poverty line20.8%U.S.: 12.5%
Unemployment5.8%U.S.: 5.2%

Is it cheaper to rent or buy in Northwest Harbor?

Renting is cheaper right now: about $8,923 a month less.

Renting
$1,994
Owning
$10,917

Owning assumes a typical $1,573,300 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $157,330 for the down payment.

Frequently asked questions

What is the average rent in Northwest Harbor, NY?

Renting in Northwest Harbor costs a median of about $1,994 a month in 2026, including utilities. The New York median is $2,177.

How much do I need to make to live in Northwest Harbor?

To keep rent under 30% of income, you need about $79,760 a year, or $38 an hour at a full-time job.

Is Northwest Harbor cheap or expensive?

Northwest Harbor is rated Cheap: rent takes 13.8% of the typical household income of $172,964. It ranks 148th cheapest of 343 New York cities we track.

How much are property taxes in Northwest Harbor?

The median homeowner in Northwest Harbor pays $9,053 a year in property taxes, about 0.58% of the median home value.

Is Northwest Harbor more expensive than the national average?

Overall prices in New York are 8% above the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Northwest Harbor?

The median home value in Northwest Harbor is $1,573,300, about 9.1 times the typical yearly household income.

5,205 people live in Northwest Harbor. Numbers are typical (middle) values.