Lloyd Harbor, NY vs Loudonville, NY

The cost of living difference between Lloyd Harbor, NY and Loudonville, NY is dramatic. Loudonville is 73.5% cheaper than Lloyd Harbor, a gap that translates to thousands of dollars per year in household expenses. Lloyd Harbor has a cost index of 212 while Loudonville sits at 122, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Lloyd Harbor is $1,738/month compared to $1,891/month in Loudonville — a 8% difference. Interestingly, home values tell a different story: while Lloyd Harbor has cheaper rent, Loudonville actually has lower median home values ($370,200 vs $1,458,800).

Median household income in Lloyd Harbor is $242,434 compared to $131,806 in Loudonville (+83.9%). While Lloyd Harbor is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Lloyd Harbor spend roughly 8.6% of their income on rent, less than the 17.2% in Loudonville.

Climate-wise, Lloyd Harbor is notably warmer with an average of 53.4°F compared to 49.4°F in Loudonville. Loudonville receives more rainfall at 40.7" per year compared to 38.3" in Lloyd Harbor.