City profile · Florida · Census ACS 2023

Bay Harbor Islands, FL

Population, income, housing, safety, climate and schools for Bay Harbor Islands - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

5,793
Residents
$84,750
Median income
$542,700
Median home
$2,436
Median rent (state)

Bay Harbor Islands - the verdict

Nationally, Bay Harbor Islands sits in the 66th percentile for household income among US cities with a population of 1,000 or more. Source: Census ACS.

66th
percentile, household income
87th
percentile, home value
91st
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Bay Harbor Islands, FL

Bay Harbor Islands is a small town in Florida, home to 5,793 residents per U.S. Census Bureau ACS 2023 estimates. The typical household in Bay Harbor Islands brings in $84,750 a year, above the median for U.S. cities on this measure, with a poverty rate of 5.9%. Typical homes in Bay Harbor Islands are valued around $542,700, and the median resident age is 36.0 years. About 55.6% of adults hold a bachelor's degree or higher, while 67.9% of working-age residents are in the labor force.

The Census Building Permit Survey recorded 121 residential units authorized here in 2024 (Active).

Florida carries a cost-of-living premium: the state registers 103.4 on a 100-equals-national-average index (Above Average) per BEA Regional Price Parities 2024. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $2,436 monthly. Statewide, average monthly utility bills in Florida run around $225, per EIA 2023 residential energy data. FEMA's National Risk Index rates natural-hazard exposure at 99.6 out of 100 (Very High).

Population

5,793 residents

Census ACS 2023 - Florida

Median Household Income

$84,750 /yr

Poverty 5.9%

Cost of Living Index (state)

103.4 (US=100)

Above Average - BEA RPP 2024, Florida average

How does Bay Harbor Islands compare to other US cities?

Where Bay Harbor Islands sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.

Household income 66% higher than other cities
Home value 87% pricier than other cities
Median rent 91% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares Bay Harbor Islands against every qualifying US city; each in-state rank narrows that to Florida only. Full formula and direction notes: methodology.

Florida-relative analysis

Median Gross Rent is Bay Harbor Islands's strongest outlier among Florida cities

Among the 930 Florida cities PlainCities tracks with reported median gross rent data, Bay Harbor Islands ranks #10 - the 93rd percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Bay Harbor Islands only against its own state's cities, not the full US field.

Median Household Income
#271 of 903
70th percentile in Florida
Median Gross Rent
#10 of 930
93rd percentile in Florida
Median Home Value
#117 of 894
87th percentile in Florida
Poverty Rate
#569 of 930
38th percentile in Florida
Bachelor's Degree or Higher
#87 of 930
91st percentile in Florida

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Florida only, not a livability score. See the methodology for the source and calculation.

66thIncome percentile

66th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Bay Harbor Islands's home value compares nationally

Median home value vs. every US city (population 1,000+)

$542,700 13th percentile more affordable than 13% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). Below this entry. $450,000–$475,000: 307 US cities (2%). Below this entry. $475,000–$500,000: 250 US cities (2%). Below this entry. $500,000–$525,000: 160 US cities (1%). Below this entry. $525,000–$550,000: 156 US cities (1%). This entry sits in this band. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Bay Harbor Islands $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Bay Harbor Islands, FL Bay Harbor Islands, FL's reported median household income shown against the U.S. national quintile-share pattern (not Bay Harbor Islands, FL-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Bay Harbor Islands, FL median $84,750/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Bay Harbor Islands, FL's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Bay Harbor Islands, FL. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 55.6%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 5.9%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 67.9%

Census ACS S2301, share of working-age residents in the labor force

Population
5,793
Median Income
$84,750
Median Home Value
$542,700
Median Age
36.0
Poverty Rate
5.9%
Labor force participation
67.9%
Bachelor's Degree+
55.6%

Schools

Total Schools
1
Public schools in this city

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
5,700 residents5,800 residents5,900 residents6,000 residents6,100 residents 202020212022202320242025 5,886 residents 6,021 residents ▲ +2.3%
Bay Harbor Islands's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

🏗️ Active
Total Permits (2024)
121
housing units authorized
Single-Family
5
detached homes
Multifamily
116
apartments & condos
Supply Intensity
20.9
permits per 1,000 residents

5-Year Permit Trend (2019–2024)

Year Total
2019 0
2020 2
2021 3
2022 0
2023 1
2024 121

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
59.7%
Carpool
4.3%
Public Transit
2.1%
Walk
3.0%
Work from Home
23.7%
Other
7.2%

Based on 2,809 workers 16 and over.

Monthly Utility Costs

State-average estimates for Florida - EIA 2023 residential energy data

Electricity
$145
avg/month
Natural Gas
$25
avg/month
Water & Sewer
$55
avg/month
Total Utilities
$225
estimated/month

Estimates reflect Florida state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Florida state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Bay Harbor Islands sits in

Cost of Living Index
103.4
Above Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$2,436/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
99.6 / 100
Very High
FEMA NRI composite score (county)

Similar Cities in Florida

Lochmoor Waterway Estates
5,791 people
Osprey
5,790 people
Jan Phyl
5,798 people
Zephyrhills West
5,770 people
Starke
5,821 people
Crawfordville
5,892 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Bay Harbor Islands's 5,793 residents (Census ACS 5-Year 2023).

Walkertown, NC
5,793 people
East Moriches, NY
5,794 people
Lakeview, NY
5,794 people
Sierra View, PA
5,795 people
Germantown, OH
5,796 people
Merion Station, PA
5,796 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Bay Harbor Islands's $84,750 (Census ACS 5-Year 2023, table B19013).

Seldovia, AK
$84,750 median income
Elizabeth, IN
$84,750 median income
Tutuilla, OR
$84,750 median income
Concord, NC
$84,752 median income
Moro, IL
$84,744 median income
Fairview CDP (Dutchess County), NY
$84,759 median income

Race & Ethnicity Composition

Race and ethnicity - Bay Harbor Islands, FL Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Bay Harbor Islands, FL - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 53.1% 8.8% 36.4% ETHNICITY, Hispanic or Latino (any race) 54.4% White 53.1% Black or African American 1.2% Asian 0.0% American Indian 0.5% Native Hawaiian 0.0% Some other race 8.8% Two or more races 36.4% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Bay Harbor Islands compares to nearby Florida cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Bay Harbor Islands (this city) 5,793 $84,750
Lochmoor Waterway Estates 5,791 $87,606
Osprey 5,790 $94,815
Jan Phyl 5,798 $58,520
Census ACS 5-year FIPS FL NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Bay Harbor Islands, FL?

What is the population of Bay Harbor Islands, FL? +

The population of Bay Harbor Islands, FL stands at 5,793 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Bay Harbor Islands, FL? +

Median annual household income in Bay Harbor Islands runs $84,750, based on Census ACS 2023 data.

What is the cost of living in Bay Harbor Islands? +

BEA does not publish a city-level cost-of-living figure for Bay Harbor Islands; the closest available measure is the Florida state average, a cost of living index of 103.4 (U.S. average = 100), rated "Above Average" based on BEA Regional Price Parities 2024 data. Costs within Florida vary by metro area.

What is the median home value in Bay Harbor Islands, FL? +

Homes in Bay Harbor Islands carry a median value of $542,700, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.