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Place dossier plate
SheetFL-BAY-HARBOR-ISLANDS-FL · Bay Harbor Islands, FL 5,793 pop · income 66th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Bay Harbor Islands
Lowest/highest poles plus peers nearest Bay Harbor Islands on median household income. Full ladder: /browse and /rankings.
median HH income
Starke · lowest
46,291
Starke · lowest
46,291 median HH income
18.5% of the leader · rank #1
Bay Harbor Is… · this city
84,750
Bay Harbor Is… · this city
84,750 median HH income
33.9% of the leader · rank #2
Seldovia · near
84,750
Seldovia · near
84,750 median HH income
33.9% of the leader · rank #3
Elizabeth · near
84,750
Elizabeth · near
84,750 median HH income
33.9% of the leader · rank #4
Tutuilla · near
84,750
Tutuilla · near
84,750 median HH income
33.9% of the leader · rank #5
Concord · near
84,752
Concord · near
84,752 median HH income
33.9% of the leader · rank #6
Merion Station · highest
250,001
Merion Station · highest
250,001 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Bay Harbor Islands on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 5,793.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Bay Harbor Islands - the verdict
Nationally, Bay Harbor Islands sits in the 66th percentile for household income and the 68th percentile for safety among US cities with a population of 1,000 or more. Source: Census ACS + FBI UCR.
66th
percentile, household income
87th
percentile, home value
73rd
percentile, median rent
68th
percentile, safety
📝 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. Median household income here is $84,750 per 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). Bay Harbor Islands reports a comparatively low crime rate: FBI UCR figures show 891.3 crimes per 100,000 residents, below the national average (reporting is voluntary across agencies, so treat this as reporting activity rather than a definitive danger score).
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 $1,526 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 75.7 out of 100 (High).
A decision-led reading path
Useful questions to ask of Bay Harbor Islands's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from reported crime to schools and households to comparison shortlist to work and mobility to population change to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Bay Harbor Islands, city-specific coverage includes commute-mode shares, matched public-school count, annual population history, FBI reported-crime rates, local building permits.
No matched row is reported here for within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
What can the FBI record say about safety in Bay Harbor Islands?
The joined FBI UCR record reports 891.3 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 61% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
What does the education layer cover for Bay Harbor Islands?
The matched institution count is small, so district boundaries and schools outside the city line may matter more than the municipal count suggests. Use the number as a coverage cue, then verify attendance zones with the district before making a household decision.
The NCES join finds 1 public school within the city match. 55.6% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
Which cities make useful reference points for Bay Harbor Islands?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
Within Florida, the closest population matches are Lochmoor Waterway Estates (5,791 residents, $87,606 income); Osprey (5,790 residents, $94,815 income); Jan Phyl (5,798 residents, $58,520 income). Outside the state, the closest population matches in this dataset are Walkertown, NC (5,793 residents); East Moriches, NY (5,794 residents); Lakeview, NY (5,794 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
What does the journey to work look like in Bay Harbor Islands?
Driving alone is the largest reported mode at 59.7%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Population change
Is Bay Harbor Islands growing, shrinking, or holding steady?
Census PEP estimates show the population grew by +135 residents from 2020 to 2025, a +2.3% change. Separately, Census BPS recorded 121 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
2020 estimate
5,886
2025 estimate
6,021
Period change
+2.3%
Census Population Estimates Program, 2020–2025; permit context uses Census BPS.
How far does income reach against housing in Bay Harbor Islands?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
The home-value-to-income reference is comparatively stretched: the ACS median home value is 6.4 times median household income. The ACS poverty estimate is 5.9%, which keeps the citywide median from describing every household.
Value / income
6.4×
Home value
$542,700
Household income
$84,750
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
Above median income · poverty 5.9% (Below-median poverty)
Cost of Living Index (state)
103.4 (US=100)
Above-average cost · BEA RPP 2024, Florida average
C+
City profile score · Bay Harbor Islands, FL
64/100
5 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share A
55.6%
Adults with a bachelor's degree or higher; ACS.
Violent crime A
36 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Household income C+
$84,750
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate C+
5.9%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living F
103.4 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Bay Harbor Islands profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 89/100 (A) · 55.6%
Violent crime: 88/100 (A) · 36 /100k
Household income: 64/100 (C+) · $84,750
Poverty rate: 60/100 (C+) · 5.9%
Cost of living: 25/100 (F) · 103.4 index
Where Bay Harbor Islands sits on home value vs crime among peer cities
Bay Harbor Islands's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Bay Harbor Islands highlighted among 22 peers.Read the chart values
Bay Harbor Islands, FL (this city): home $542,700, crime 891/100k
Germantown, OH : home $186,900, crime 878/100k
New York, NY : home $751,700, crime 3,039/100k
Los Angeles, CA : home $879,500, crime 2,212/100k
Chicago, IL : home $315,200, crime 4,012/100k
Houston, TX : home $253,400, crime 5,442/100k
Phoenix, AZ : home $381,900, crime 3,125/100k
Philadelphia, PA : home $232,400, crime 5,457/100k
San Antonio, TX : home $219,700, crime 5,218/100k
San Diego, CA : home $848,500, crime 2,082/100k
Dallas, TX : home $295,300, crime 4,010/100k
San Jose, CA : home $1,187,800, crime 3,195/100k
Austin, TX : home $512,700, crime 3,709/100k
Fort Worth, TX : home $277,300, crime 3,158/100k
Columbus, OH : home $234,500, crime 3,088/100k
Indianapolis, IN : home $207,000, crime 4,214/100k
San Francisco, CA : home $1,380,500, crime 4,526/100k
Seattle, WA : home $912,100, crime 5,783/100k
Denver, CO : home $586,700, crime 5,755/100k
Oklahoma City, OK : home $215,100, crime 3,570/100k
El Paso, TX : home $171,700, crime 1,772/100k
Washington, DC : home $724,600, crime 4,514/100k
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 income66% higher than other cities
Home value87% pricier than other cities
Median rent73% pricier than other cities
Safety68% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
National percentiles can mask local variation. Looking only at Florida, Bay Harbor Islands ranks #28 of 120 Florida cities by lowest crime rate - a narrower, more locally useful cut than the national comparison above.
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 places Bay Harbor Islands near the bottom of Florida's cities
Among the 930 Florida cities PlainCities tracks with reported median gross rent data, Bay Harbor Islands ranks #1 - the 0th 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
#1 of 930
0th 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
How in-state ranks are ordered
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.
Gauge source note
66th percentile nationally for median household income · 68th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Bay Harbor Islands's profile vs. every US city
Income, affordability, and safety percentile
Bay Harbor Islands's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Bay Harbor Islands's home value compares nationally
Median home value vs. every US city (population 1,000+)
$542,70013th percentilemore affordable than 13% of 15,600 US cities
Show national distribution
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
Bay Harbor Islands's home-value-to-income ratio: 6.4×
ACS median home value divided by median household income.
Band
pressured
> 5.0×
National rank
#14,384 of 15,516
More affordable than 7% of tracked cities (pop. 1,000+)
Size class
#10,632 of 11,323
Micro cities (under 10,000)
At 6.4×, Bay Harbor Islands sits in the pressured band:
national rank #14,384 of 15,516 and #10,632 of 11,323micro cities (under 10,000).
Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$84,750Bay Harbor Islands, FL median household income (Census ACS)
Show U.S. national quintile / Lorenz context Bay Harbor Islands, FL median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Bay Harbor Islands, FL.
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%
Safety & Crime
Total Crime Rate
891.3
per 100,000 residents
Violent Crime
35.7
per 100,000 residents
Property Crime
855.6
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Schools
Total Schools
1
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Bay Harbor Islands's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
5,886 residents
2021
5,776 residents
2022
5,848 residents
2023
5,914 residents
2024
5,887 residents
2025
6,021 residents
Housing Supply
BPS source
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
Single-Family
Multifamily
Est. Value
2019
0
0
0
-
2020
2
2
0
$1.3M
2021
3
3
0
$4.9M
2022
0
0
0
-
2023
1
1
0
$1.6M
2024
121
5
116
$92.3M
Commute Patterns
Commute source
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
Florida statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Florida at $225 (electricity about $145 , water and sewer about $55 ).
These are Florida statewide averages, not a meter reading for Bay Harbor Islands. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Florida's BEA cost-of-living index is 103.4 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Bay Harbor Islands is $1,526/mo. FEMA's National Risk Index, averaged to Florida statewide on PlainCities, rates natural-hazard exposure at 75.7 / 100 (High).
Cost/risk geography note
Cost of living is a Florida statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Bay Harbor Islands sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Bay Harbor Islands compares to similar-size Florida cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, 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.