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Lloyd Harbor, New York eviction risk overview
City brief · 3,565 residents

Lloyd Harbor, NY Eviction Risk: HIGH

Suffolk County · Population 3,565

In 2026
Risk score
7.9
HIGH

44th percentile, New York.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.7 Average5.1 Now7.9
9.4 2.7 1976 · score 3.0 1977 · score 3.0 1978 · score 3.0 1979 · score 3.0 1980 · score 3.0 1981 · score 3.0 1982 · score 3.0 1983 · score 3.0 1984 · score 2.9 1985 · score 2.8 1986 · score 2.8 1987 · score 2.7 1988 · score 3.1 1989 · score 3.2 1990 · score 3.3 1991 · score 3.5 1992 · score 4.1 1993 · score 4.1 1994 · score 4.1 1995 · score 4.2 1996 · score 4.7 1997 · score 4.9 1998 · score 4.9 1999 · score 5.0 2000 · score 5.1 2001 · score 5.2 2002 · score 5.4 2003 · score 5.4 2004 · score 5.4 2005 · score 5.3 2006 · score 5.3 2007 · score 5.3 2008 · score 5.6 2009 · score 5.9 2010 · score 6.0 2011 · score 6.0 2012 · score 6.2 2013 · score 6.2 2014 · score 6.3 2015 · score 6.3 2016 · score 6.4 2017 · score 6.5 2018 · score 6.5 2019 · score 7.6 2020 · score 9.4 2021 · score 9.1 2022 · score 8.4 2023 · score 8.1 2024 · score 8.3 2025 · score 7.9 2026 · score 7.9

Key metrics

Time machine

Scrub 50 years

2026
● LIVE · today ◀ REPLAY · historical

Nine-axis profile

9-axis profile · today

Shape of the risk surface

1 landlord · 10 tenant
Local 5.9 Regional 5.9 State 7.3 Economic 2.8 Supply 5.5 Rent Control 2.0 Eviction 7.1 Tenant 2.0 Housing 2.2 7.9 HIGH
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +10.0% (2024)
    5.9
  2. Regional political climate
    County-weighted neighbor mix
    5.9
  3. State political climate
    New York legislature & governorship
    7.3
  4. Economic stress
    3.3% poverty · 0.8% unemp.
    2.8
  5. Supply constraint
    $1,821 average · 2.7% renters
    5.5
  6. Rent Control risk
    23.2% of income on rent
    2.0
  7. Eviction process difficulty
    374 days filing → judgment
    7.1
  8. Tenant organizing strength
    2.7% renters
    2.0
  9. Housing court bias
    County bench composition
    2.2
Geographic context

Risk heat across Lloyd Harbor and the region

Click any city to see its score

How Lloyd Harbor compares

Risk score vs. peers, county, state, and the U.S.
Rank in Suffolk County
Very Low
#120 of 148 cities
Rank in county, 19th percentileLowHigh
#120 of 148 cities in Suffolk County for landlord eviction risk.
Rank in New York
Low
#773 of 1,285 cities
Rank in state, 40th percentileLowHigh
#773 of 1,285 cities in New York for landlord eviction risk.
vs. county · state · U.S.
Lloyd Harbor risk score vs. county / state / U.S.Lloyd Harbor: 7.97.9Lloyd HarborThis cityCounty: 8.28.2Countyavg in countyState: 9.19.1Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 7.9
    / 10 · HIGH
    The verdict

    A High-tier market.

    Composite 7.9/10. High statutory friction with active tenant counsel, so assume defenses on every filing. The 50-year curve shows a sharp climb.

    50-yr trend+4.9 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 374d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,821/mo. A contested eviction takes 374 days and costs $19,125–$36,144 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 2.7%
    Renters
    The renters

    Who you'll be renting to.

    Out of 3,565 residents, 2.7% rent. 23% are spending 30%+ income on rent, 3.3% below the poverty line.

    50-yr trendRenter share rising
    197620012026

    ACS 1970-present · once the migration overlay is in.

  4. 5.9
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.9 and 5.9 (GOP margin +10.0% (2024)). State climate at 7.3, a tenant-leaning legislature.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 7.3
    State politics
    The process

    Long calendar, heavy friction.

    State political climate 7.3/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 7.1, housing court bias 2.2, rent-control risk 2. The slow part is the calendar, not the motion practice.

    50-yr trendProcess difficulty +2.1 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 2.8
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 2.8. Supply constraint: 5.5. The numbers behind those: 3.3% poverty, 0.8% unemployment, 23% of income on rent.

    50-yr trendTwo visible dips · '08 + COVID
    197620012026

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Lloyd Harbor sits in the slow & expensive quadrant

Bubble size = population · color = risk score
QUICK BUT COSTLY fast docket · high all-in loss SLOW & EXPENSIVE long calendar · high all-in loss QUICK & CHEAP fast docket · low all-in loss SLOW BUT CHEAP long calendar · low all-in loss 30d 50d 75d 100d 150d 200d 300d 450d $2.0k $3.0k $5.0k $7.5k $10k $15k $20k $30k EVICTION TIMELINE (DAYS) → ↑ ALL-IN COST (LOG SCALE) New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.7 New York Yonkers, NY · 381d · ~$27.5k all-in ($72/day) · score 9.9 Yonkers New Rochelle, NY · 429d · ~$27.9k all-in ($65/day) · score 9.5 New Rochelle Mount Vernon, NY · 398d · ~$29.6k all-in ($74/day) · score 9.5 Mount Vernon Brentwood, NY · 378d · ~$31.4k all-in ($83/day) · score 8.3 Brentwood White Plains, NY · 384d · ~$30.7k all-in ($80/day) · score 9.3 White Plains Hempstead, NY · 418d · ~$32.6k all-in ($78/day) · score 9.4 Hempstead Levittown, NY · 387d · ~$30.7k all-in ($79/day) · score 8.4 Levittown Buffalo, NY · 428d · ~$30.3k all-in ($71/day) · score 9.4 Buffalo Rochester, NY · 430d · ~$32.0k all-in ($74/day) · score 9.1 Rochester Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.8 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 2.8 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 3.1 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 3.4 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 7.1 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 5.7 Chicago Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 7.9 Seattle Lloyd Harbor
Lloyd Harbor · 374d · ~$27.6k all-in ($74/day) · score 7.9 National average: 58d · $4.6k all-in Hover any bubble for stats · click to open Color: 0–4   4–7   7–10
00Overview

About eviction risk in Lloyd Harbor, NY

Landlording in Lloyd Harbor, New York, presents a high-friction environment where attorney involvement on every filing is the norm. The Eviction Risk Score is 7.9/10 (HIGH tier), drawn from the nine sub-axes shown above, covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a High-friction landlord market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Lloyd Harbor is a city of 3,565 residents where 2.7% of occupied units are renter-occupied, and the typical renter spends 23.2% of income on rent. At an average rent of $1,821/month, the typical renter household here spends more than the federal 30% threshold on housing, a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.

01Process

How Lloyd Harbor eviction process actually works

Eviction process difficulty here reads 7.1/10, a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in Lloyd Harbor closes 374 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.

The slow part of Lloyd Harbor's timeline is usually the calendar, not the motion practice. Housing court bias scores 2.2/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.

02Cost

What it costs (and how long it takes)

An all-in eviction in Lloyd Harbor runs $19,125 to $36,144 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice, common when housing court bias is high. The lower bound assumes a default judgment after proper service.

For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1–2 months' rent is typically the economically rational choice. With 374 days of typical timeline and $1,821/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 2/10 in Lloyd Harbor, and the city has limited rent control exposure (2/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5 to 3x rent), credit (with a clear minimum), and prior-tenancy reference checks, but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
  • Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
  • Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In New York, deposit cap and refund window are statute, so exceed them at your own risk.
  • Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy

What an everyday landlord should actually do here

If you own one to four units in Lloyd Harbor: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a HIGH tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one, since retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.

The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match New York's statutory language. Fix those four, and most cases settle or default. Skip them, and a $36,144 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Lloyd Harbor

Trap · 2.2/10
For landlords, the 4.6/10 score is most actionable when combined with Nassau County's specific court behavior. Housing-court bias sub-score: 2.2/10. Standard documentation and prompt action typically resolve cases quickly.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Lloyd Harbor for any reason?

No, not for "any" reason. While New York state doesn't have statewide just-cause eviction, you still need a legal reason like non-payment of rent, lease violation, or the expiration of a lease term where you've properly given notice not to renew. You cannot evict based on discriminatory reasons or as retaliation.
Q2

What's the fastest way to get a non-paying tenant out?

The fastest way is often "cash for keys." If the tenant agrees to move out voluntarily for a payment, it can save you months and thousands of dollars compared to a formal eviction. Otherwise, you must follow the 14-day notice, court filings, and wait for a judge's order and sheriff lockout. There are no shortcuts.
Q3

Do I need a lawyer for an eviction in Lloyd Harbor?

While not legally required, it's highly recommended in New York. The legal process is complex, and even small procedural errors can lead to significant delays and costs. Given the 374-day average timeline, having an experienced landlord-tenant attorney is a sound investment. For county-specific advice, see our Nassau County eviction guide.
Q4

What if my tenant claims I'm discriminating against them?

New York has strong anti-discrimination laws, including source-of-income protection. If a tenant makes such a claim, consult your attorney immediately. Ensure all your screening and rental decisions are based on objective, non-discriminatory criteria and that you have documentation to support them.
Q5

Can I charge a late fee in Lloyd Harbor?

Yes, New York law allows for late fees, but they are capped. You can charge a late fee of either $50 or 5% of the monthly rent, whichever is less. Make sure this is clearly stated in your lease agreement.
06Score

What this score means for landlords2

A 7.9/10 places Lloyd Harbor in the 44th percentile of New York cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1 to 10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has risen sharply since 1976, a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.