Median Income
$34,875
54% lower than US avg
Home Value
$202,500
28% lower than US avg
Bachelor's+
0.0%
100% lower than US avg
Obesity Rate
35.8%
12% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Three Mile Bay Compares to the U.S. Average (100% = U.S. avg)
People
Population40
Median Age31.5 yrs
Density143/mi²
Male / Female53% / 48%
Largest GroupWhite 100%
Veterans32.1%
Economy
B+
Median Income$34,875
Per Capita$18,675
Unemployment0.0%
Poverty0.0%
County GDP$8,276M
Housing
B
Home Value$202,500
Ownership100.0%
Zillow$272,912
Housing Units52
Rent Burden28.8%
Health
Obesity35.8%
Uninsured0.0%
Smoking11.7%
Depression20.8%
Heart Disease4.7%
Climate
Avg Temp45°F (7°C)
AQI32 (Good)
Rain37.1 in/yr
Elevation269 ft (82 m)
Education
A+
Bachelor's+0.0%
High School+100.0%
Graduate+0.0%
School Score5.16
Community
2024 VoteR 62% / D 38%
Broadband100.0%
EV Stations3
Libraries25
Is Three Mile Bay a Good Place to Live?
Based on current data, Three Mile Bay receives an overall livability score of 4.0 out of 5.0, earning a grade of A. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include below-average incomes. Three Mile Bay stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Three Mile Bay is $34,875, 54% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%.
Cost of Living & Housing
The median home value in Three Mile Bay is $202,500, 28% below the national median / offering relatively affordable homeownership. The price-to-income ratio of 5.8x means housing costs are stretched relative to local earnings.
Education
0.0% of residents hold a bachelor's degree, below the national average of 33.7%. 100.0% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Three Mile Bay has a cool climate with an average annual temperature of 45°F. Winters average 20°F in January while summers reach 69°F in July. Annual precipitation totals 37.1 inches, including 116.4 inches of snow. Air quality is rated Good with a median AQI of 32.
Three Mile Bay has a population of 40 with a density of 143 people per square mile, spread across 0.3 square miles. The median age is 31.5 years, 19% younger than the national median of 38.9. The gender split is 47.5% female and 52.5% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 32.1% of the population are veterans, above the national rate of 6.0%. 0.0% of residents have a disability (below the 13.0% national average). 100.0% have health insurance coverage.
Population
40
Total Population
2023 Census
31.5yrs
Median Age
19% below US avg
Race & Ethnicity
Three Mile Bay vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Three Mile Bay vs U.S. Average
The median household income in Three Mile Bay is $34,875, which is 54% below the national average of $75,149. Per capita income is $18,675 (below the $39,052 national figure). The average weekly wage is $1,068, 25% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,950 business establishments, including 307 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. 0.0% of workers work from home (below the 15.2% national rate).
Income: Three Mile Bay vs U.S.
Income
| Median HH Income | $34,875 |
| 54% below US avg |
| Per Capita Income | $18,675 |
| Avg Weekly Wage | $1,068 |
| IRS Avg AGI | $60,822 |
| Gini Index | 0.432 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 2,950 |
| County GDP | $8,276M |
Business (County)
| Restaurants | 307 |
| Healthcare | 257 |
| Retail | 442 |
| Manufacturing | 63 |
Tax & Cost of Living
| Property Tax (IRS) | $6,803 |
| 94% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 3.36% |
Commute & Transportation
| Drive Alone | 77.8% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Three Mile Bay is $202,500, 28% below the national median of $281,900. Zillow estimates the typical home value at $272,912, higher than the Census estimate. Fair market rent ranges from $1,315 for a one-bedroom to $1,579 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 52 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $6,803 (higher than the $3,500 national average). 28.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 5.8x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $202,500 |
| 28% below US avg |
| Zillow ZHVI | $272,912 |
Rental Costs
HUD Fair Market Rent
| Studio | $1,215 |
| 1 Bedroom | $1,315 |
| 2 Bedrooms | $1,579 |
| 3 Bedrooms | $1,976 |
| 4 Bedrooms | $2,193 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 52 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $6,803 |
| 94% above US avg |
| Effective Rate | 3.36% |
In Three Mile Bay, 35.8% of adults are obese, above the national rate of 32.1%. 8.1% have diabetes (below the 10.5% national rate). Heart disease affects 4.7% of residents, below the national average. 27.3% have high blood pressure. 11.7% are current smokers. 21.8% report binge drinking. 20.7% are physically inactive, below the national average. 20.8% report depression. 16.5% experience frequent mental distress. 0.0% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,971. The dentist ratio is 1:1,070. 62.8% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: Three Mile Bay vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.8% |
| 12% above US avg |
| Diabetes | 8.1% |
| Heart Disease | 4.7% |
| High Blood Pressure | 27.3% |
| Asthma | 11.1% |
| COPD | 5.1% |
| Cancer | 7.8% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 11.7% |
| 16% below US avg |
| Binge Drinking | 21.8% |
| Physical Inactivity | 20.7% |
| Depression | 20.8% |
| Mental Distress | 16.5% |
| Physical Distress | 11.0% |
| Short Sleep | 39.7% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 0.0% |
| 100% below US avg |
| Primary Care | 1:1,971 |
| Dentists | 1:1,070 |
| Mental Health | 1:403 |
| Checkup Rate | 79.6% |
| Dental Visits | 69.1% |
| Premature Death | 7,378/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 62.8% |
| Healthcare Facilities | 257 |
Three Mile Bay has a cool climate with an average annual temperature of 45°F (7°C). Winters average 20°F in January while summers reach 69°F in July. Annual precipitation totals 37.1 inches. The area receives 116.4 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 32. 97% of days have good air quality. The city sits at an elevation of 269 feet.
Temperature
20°F Jan (-7°C)
69°F Jul (21°C)
| Annual Average | 45.3°F |
| 16% below US avg |
| January Average | 20°F (-7°C) |
| July Average | 69°F (21°C) |
Geography
| Elevation | 269 ft (82 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 143/sq mi |
| Coordinates | 44.0849°N, 76.1975°W |
| Timezone | America/New_York |
| County | Jefferson County County |
| Nearest Airport | Watertown International (ART)
11 miles away |
Precipitation & Snow
Annual Rainfall
37.1"
2% below US avg
Wettest Month (Oct)
4.22"
Air Quality
| AQI Median | 32.0 |
| Rating | Good |
| Good Days % | 97.0% |
| Unhealthy Days | 0 |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 64.0 / 100 |
| Social Vulnerability | 28.3 / 100 |
| Community Resilience | 62.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
21 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M3.3 on Jun 29, 2024.
| Dec 25, 1998 |
23 km SE of Cobourg, Canada |
M3.6 |
142 km |
| Apr 23, 2023 |
New York |
M3.6 |
28 km |
| Jun 29, 2024 |
14 km W of Ellisburg, New York |
M3.3 |
42 km |
| Jul 31, 1997 |
0 km WSW of Lyons Falls, New York |
M3.2 |
84 km |
| Nov 7, 2002 |
13 km SSW of Belleville, Canada |
M3.0 |
99 km |
| Mar 2, 1995 |
3 km ENE of Tupper Lake, New York |
M3.0 |
142 km |
| Oct 13, 1997 |
18 km NW of Cranberry Lake, New York |
M3.0 |
103 km |
| Sep 4, 2004 |
3 km S of Massena, New York |
M2.9 |
138 km |
| Jul 14, 2021 |
8 km WNW of Massena, New York |
M2.8 |
137 km |
| Mar 20, 2008 |
12 km S of Osgoode, Canada |
M2.8 |
115 km |
| Mar 14, 2021 |
19 km SW of Winchester, Canada |
M2.7 |
110 km |
| Mar 17, 2004 |
3 km SSW of Massena, New York |
M2.7 |
136 km |
| Mar 21, 2018 |
9 km NNW of Saint Regis Falls, New York |
M2.7 |
147 km |
| Aug 11, 2007 |
4 km N of Kingston, Canada |
M2.6 |
31 km |
| Apr 14, 2023 |
1 km W of Adams Center, New York |
M2.6 |
29 km |
| May 31, 2019 |
6 km NNW of Saint Regis Falls, New York |
M2.6 |
147 km |
| Apr 11, 2007 |
6 km NNE of Sodus Point, New York |
M2.6 |
105 km |
| Oct 6, 2017 |
9 km SSE of Nepean, Canada |
M2.5 |
137 km |
| Mar 17, 2004 |
12 km SSW of Osgoode, Canada |
M2.5 |
116 km |
| May 10, 2022 |
southern Ontario, Canada |
M2.5 |
138 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
39 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 1 fatality, 14 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 7, 2023 |
EF3 |
89 km |
0 |
| May 2, 1983 |
EF3 |
95 km |
0 |
| May 2, 1983 |
EF3 |
95 km |
0 |
| Aug 15, 1986 |
EF2 |
55 km |
1 |
| Jul 16, 2024 |
EF1 |
99 km |
0 |
| Jul 10, 2024 |
EF1 |
62 km |
0 |
| Aug 7, 2023 |
EF1 |
97 km |
0 |
| Jun 3, 2021 |
EF1 |
97 km |
0 |
| Jul 8, 2014 |
EF1 |
60 km |
0 |
| Aug 1, 2005 |
EF1 |
57 km |
0 |
| Jul 10, 1989 |
EF1 |
88 km |
0 |
| Jul 13, 1986 |
EF1 |
87 km |
0 |
| Aug 28, 1983 |
EF1 |
40 km |
0 |
| Sep 8, 1981 |
EF1 |
87 km |
0 |
| Aug 7, 1972 |
EF1 |
88 km |
0 |
| Jul 12, 1969 |
EF1 |
82 km |
0 |
| Sep 9, 1960 |
EF1 |
82 km |
0 |
| Jun 29, 1960 |
EF1 |
99 km |
0 |
| Jul 1, 1959 |
EF1 |
33 km |
0 |
| Aug 10, 1958 |
EF1 |
69 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
20°F (-7°C) |
2.9 in |
Coldest |
| February |
21°F (-6°C) |
2.2 in |
Driest |
| March |
30°F (-1°C) |
2.4 in |
|
| April |
43°F (6°C) |
3.1 in |
|
| May |
55°F (13°C) |
3.0 in |
|
| June |
64°F (18°C) |
3.1 in |
|
| July |
69°F (21°C) |
3.0 in |
Warmest |
| August |
68°F (20°C) |
3.2 in |
|
| September |
60°F (16°C) |
3.6 in |
|
| October |
49°F (9°C) |
4.2 in |
Wettest |
| November |
38°F (3°C) |
3.4 in |
|
| December |
27°F (-3°C) |
3.1 in |
|
Three Mile Bay has a seasonal temperature swing of 49°F / from 20°F in January to 69°F in July. Total annual precipitation is 37.1 inches, with October being the wettest month (4.2") and February the driest (2.2").
Average costs for common services in Three Mile Bay. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$270 ($162-$432) |
| Specialist Visit |
$378 ($216-$593) |
| Urgent Care Visit |
$216 ($108-$378) |
| Emergency Room Visit |
$2,374 ($863-$5,395) |
| Dental Cleaning |
$140 ($81-$216) |
| Dental Filling |
$270 ($162-$432) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$49 ($27-$81) |
| Oil Change (Synthetic) |
$81 ($54-$129) |
| Brake Pad Replacement |
$324 ($162-$540) |
| Tire Rotation |
$43 ($22-$81) |
| New Tires (Set of 4) |
$647 ($432-$1,079) |
| Battery Replacement |
$216 ($108-$378) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$108 ($65-$162) |
| Electrician (Per Hour) |
$97 ($54-$151) |
| HVAC Repair |
$432 ($162-$863) |
| HVAC System Install |
$7,553 ($4,316-$12,948) |
| Roof Repair |
$1,079 ($432-$2,158) |
| Roof Replacement |
$9,711 ($5,935-$16,185) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,619 ($540-$3,777) |
| Divorce (Contested) |
$16,185 ($5,395-$32,370) |
| DUI Defense |
$5,395 ($2,158-$10,790) |
| Bankruptcy (Chapter 7) |
$1,619 ($863-$3,237) |
| Will Preparation |
$540 ($216-$1,079) |
| Trust Preparation |
$2,698 ($1,079-$5,395) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16-$49) |
| Women's Haircut |
$59 ($32-$108) |
| Hair Coloring (Full) |
$162 ($81-$270) |
| Manicure |
$27 ($16-$49) |
| Pedicure |
$43 ($27-$70) |
| Massage (1 Hour) |
$86 ($54-$140) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.42 ($3.24-$5.93) |
| Dozen Eggs (per dozen) |
$3.78 ($2.70-$5.40) |
| Loaf of Bread |
$4.10 ($2.70-$5.93) |
| Chicken Breast (per lb) |
$4.86 ($3.24-$7.01) |
| Ground Beef (per lb) |
$5.93 ($4.32-$8.09) |
| Rice (per lb) |
$1.08 ($0.65-$1.94) |
View all 20 services
Utilities
| Electricity (Monthly) |
$151 ($86-$270) |
| Natural Gas (Monthly) |
$76 ($32-$162) |
| Water/Sewer (Monthly) |
$76 ($43-$129) |
| Internet (Monthly) |
$76 ($43-$108) |
| Cell Phone Plan (Monthly) |
$70 ($32-$108) |
| Cable TV (Monthly) |
$92 ($54-$162) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$216 ($81-$540) |
| Car Insurance (Annual) |
$2,158 ($1,295-$3,777) |
| Bus Pass (Monthly) |
$76 ($32-$140) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.63-$27) |
| Car Registration (Annual) |
$108 ($32-$270) |
| Driver's License Renewal |
$32 ($16-$81) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,295 ($647-$2,698) |
| Daycare (Toddler, Monthly) |
$1,079 ($540-$2,158) |
| After-School Care (Monthly) |
$432 ($216-$755) |
| Tutoring (Per Hour) |
$54 ($27-$108) |
| SAT/ACT Prep Course |
$1,079 ($432-$2,698) |
| Private School (K-12, Annual) |
$13,488 ($5,395-$32,370) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$65 ($32-$108) |
| Dog Vaccination (Annual) |
$108 ($54-$216) |
| Dog Grooming |
$65 ($32-$108) |
| Pet Boarding (Per Night) |
$43 ($22-$81) |
| Dog Spay/Neuter |
$324 ($162-$540) |
| Cat Spay/Neuter |
$216 ($108-$432) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,070 |
| Toddler | $996 |
| Preschool | $866 |
| Family Childcare (monthly) |
| Infant | $823 |
| Toddler | $779 |
| Preschool | $758 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Three Mile Bay
What is the population of Three Mile Bay?
Three Mile Bay has a population of 40 residents and is located in New York. The population density is 143 people per square mile, spread across 0.3 square miles. The median age of residents is 31.5 years, which is younger than the national median of 38.9 years. The population is 47.5% female and 52.5% male.
Is Three Mile Bay expensive to live in?
Three Mile Bay is slightly more expensive than average, with a cost of living index of 107.9 compared to the national baseline of 100. The median household income is $34,875, 54% below the national average of $75,149. The median home value is $202,500 (28% below the U.S. median). The home price-to-income ratio is 5.8x, which means housing is a stretch relative to local earnings.
What is the weather like in Three Mile Bay?
Three Mile Bay has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 20°F in January, while summers reach an average of 69°F in July. Annual rainfall totals 37.1 inches, with 116.4 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 32.
How is the job market in Three Mile Bay?
The job market in Three Mile Bay is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,068. There are 2,950 business establishments in the area, including 307 restaurants and food service locations.
How much does housing cost in Three Mile Bay?
The median home value in Three Mile Bay is $202,500. Zillow estimates the typical home value at $272,912. The homeownership rate is 100.0%. The average annual property tax is $6,803.
How are the schools in Three Mile Bay?
Schools in Three Mile Bay score 5.2 out of 10 on standardized testing, near the national average. 0.0% of adults in Three Mile Bay hold a bachelor's degree or higher, below the national average of 33.7%. 100.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Three Mile Bay?
The obesity rate in Three Mile Bay is 35.8% (above the national rate of 32.1%). 11.7% of adults are smokers. 20.7% are physically inactive. 20.8% of residents report depression. 0.0% lack health insurance (below the national rate). 62.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,971.
What are the demographics of Three Mile Bay?
The racial and ethnic makeup of Three Mile Bay is 100% White. 100% of residents speak only English at home. 32.1% of the population are military veterans. 0.0% of residents have a disability. 100.0% have health insurance coverage.