Bay Harbor Islands, FL population, income and ZIP codes

Bay Harbor Islands town is a mid-size town in Florida, with 5,793 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #440 of 955 ranked by population — larger than 53% of them. The median age here is 36 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Bay Harbor Islands town earn a median of $84,750 a year, 7.9% above the national figure of $78,538 and 24% above the $68,617 median for the 775 Florida cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 7.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Bay Harbor Islands town is valued at $542,700, 78.9% above the national figure and 78% above the $305,300 peer median, while median gross rent runs $2,348 a month, 67% above the national figure, or roughly $28,176 across a full year. A household on the local median income would put about 33.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 6.4×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 50.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 6.4× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.