Fire Island, NY population, income and ZIP codes

Fire Island CDP is a very small community in New York, with 445 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1084 of 1,292 ranked by population — larger than 16% of them. The median age here is 48.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Fire Island CDP earn a median of $90,179 a year, 14.8% above the national figure of $78,538 and within a couple of points of the $91,806 median for the 847 New York 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 3.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Fire Island CDP is valued at $608,500, 100.6% above the national figure and 93% above the $315,800 peer median, while median gross rent runs $1,750 a month, 24.5% above the national figure, or roughly $21,000 across a full year. A household on the local median income would put about 23.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.7×, 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. 77.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.7× 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. With 445 residents, a handful of survey responses moves every median on this page. Compare Fire Island CDP against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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.