HomeNew YorkSuffolk CountyShelter Island
Shelter Island, New York: commercial real estate data.
Shelter Island is a Census CDP of 2,125 people across 6.55 square miles of land, in Suffolk County. Median household income is $165,734, 89.3 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $10,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Shelter Island
What Shelter Island is
- Census place typeCDP
- Land area6.55 sq mi
- Water area6.24 sq mi
- Population per square mile of land324 plus or minus 99
- County holding the largest share of its areaSuffolk County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelter Island
How many people live in Shelter Island
- Population2,125 plus or minus 647
- Median age41.3
- Population under 18580 plus or minus 323
- Share under 1827.3 percent plus or minus 12.7
- Population 65 and over397 plus or minus 210
- Share 65 and over18.7 percent plus or minus 8.1
- Households683 plus or minus 165
- Family households514 plus or minus 175
- Share of households that are families75.3 percent plus or minus 18.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelter Island
Income and work in Shelter Island
- Median household income$165,734 plus or minus $120,239
- Per capita income$58,080 plus or minus $19,571
- Civilian labor force1,127 plus or minus 394
- Employed1,067 plus or minus 380
- Unemployed60 plus or minus 84
- Unemployment rate5.3 percent plus or minus 7.2
- Adults 25 and over1,376 plus or minus 408
- Adults 25 and over with a high school diploma or higher85.4 percent plus or minus 17.3
- Adults 25 and over with a bachelor degree or higher56.0 percent plus or minus 18.8
- Adults 25 and over with a graduate degree25.8 percent plus or minus 14.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelter Island
Housing in Shelter Island
- Housing units1,410
- Occupied units683 plus or minus 165
- Vacant units727 plus or minus 154
- Vacancy rate51.6 percent
- Owner occupied610 plus or minus 177
- Renter occupied73 plus or minus 103
- Ownership rate89.3 percent
- Median owner-occupied home value$1,025,400
- Single family units1,400
- Share single family99.3 percent
- Units in buildings of two or more10 plus or minus 21
- Share in buildings of two or more0.7 percent plus or minus 1.5
- Mobile homes0
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelter Island
How Shelter Island gets to work
- Workers 16 and over who commute799 plus or minus 453
- Commuting under 15 minutes357 plus or minus 388
- Share commuting under 15 minutes44.7 percent plus or minus 41.5
- Commuting 30 minutes or more345 plus or minus 214
- Share commuting 30 minutes or more43.2 percent plus or minus 10.8
- Drove alone48.1 percent plus or minus 37.4
- Carpooled6.8 percent plus or minus 9.3
- Public transport20.0 percent plus or minus 15.3
- Walked0.0 percent
- Worked from home25.1 percent plus or minus 16.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelter Island
SBA loans in Shelter Island (7(a))
- Approvals1
- Gross approval$10,000
- Average approval$10,000
- Median approval$10,000
- Largest approval$10,000
- Jobs supported0
- Jobs per approval0.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Shelter Island, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Shelter Island
SBA loans in Shelter Island (504)
- Approvals2
- Gross approval$616,000
- Average approval$308,000
- Median approval$308,000
- Largest approval$327,000
- Jobs supported11
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Shelter Island, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Shelter Island
Flood risk in Shelter Island
- NFIP communityTown of Shelter Island
- NFIP community number360809
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The Town of Shelter Island participates in the National Flood Insurance Program as community 360809 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Suffolk County, not Shelter Island
Suffolk County context, not Shelter Island figures
- Establishments in Suffolk County50,748
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Housing units permitted, Suffolk County1,407
Every figure in this section is published for Suffolk County as a whole and is not a measurement of Shelter Island.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Shelter Island questions, answered from the record.
How many people live in Shelter Island, New York?
2,125, in 683 households. Shelter Island CDP covers 6.55 square miles of land, which is 324 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Shelter Island in?
Suffolk County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Shelter Island?
$165,734. The median owner-occupied home is valued at $1,025,400. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Shelter Island businesses?
1 7(a) approvals totaling $10,000 since FY2020, across 1 lenders, median approval $10,000, plus 2 504 approvals worth $616,000 since FY2010. These count approvals to borrowers whose address is in Shelter Island, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Shelter Island borrowers get paid back?
No rate is published for Shelter Island. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Shelter Island in the National Flood Insurance Program?
Yes. Shelter Island appears in the FEMA Community Status Book as Shelter Island, town of, community 360809, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Shelter Island figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Suffolk County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Shelter Island.
Is zoning published for Shelter Island?
No. Nothing on this page presents parcel level zoning.