Financial District weather in July

In July, Financial District sees average daytime highs of 83°F and overnight lows near 71°F, with 4.0 in of rain across 11.2 wet days and about 14.6 hours of daylight. It is the 1st-warmest and 2nd-wettest month of the year here.

Day-to-day highs hold fairly steady near 83°F through the month. The sky is clear or mostly clear about 29% of the time in July, and the air most often feels muggy.

Daylight stretches from about 14 h 54 min at the start of July to 14 h 12 min by month's end. Set against the rest of the year, July is Financial District's 6th-clearest and 11th-windiest month. For the whole year in context, see Financial District's year-round climate.

Daytime high
83°
1st warmest
Overnight low
71°
12th coldest
Rainfall
4.0 in
11.2 wet days
Daylight
14 h 36 min
4:42 AM – 7:21 PM
Cloud cover
58%
6th clearest
Wind
6 mph
11th windiest
Solar energy
5.89 kWh/m²
Travel score
5.6
out of 10

Temperature in July

Average highAverage lowShaded bands: 10–90% of days

Day-to-day highs hold fairly steady near 83°F through the month.

A typical July day in Financial District reaches about 83°F in the afternoon and slips back to 71°F overnight — a 12°F spread between the day's warmth and the night's chill. On most days the high lands between 76°F and 90°F. Set against its neighbours, July runs about 5°F warmer than June and about 2°F warmer than August.

60°70°80°90°151015202531
Avg high (°F)Avg low (°F)
18269
28270
38370
48370
58370
68370
78370
88371
98371
108371
118371
128371
138471
148471
158471
168471
178471
188471
198471
208471
218471
228471
238471
248371
258371
268371
278371
288371
298371
308371
318371

How July really feels in Financial District

Once humidity and wind are folded in, July averages 0 days that feel above 90°F and 0 that feel at or below 32°F — the comfort signal a plain temperature reading hides.

Days feeling ≥ 90°F
0
heat index over the day's high
Days feeling ≤ 32°F
0
wind chill below the day's low

July sits comfortably in between — no days that feel dangerously hot or drop to a hard freeze once humidity and wind are folded in.

Financial District weather by month

How July compares with the rest of the year at a glance. July is the 1st-warmest and 2nd-wettest month here — the current month is highlighted below.

MonthHigh / Low (°F)Rainfall (inches)Wet daysSnow daysDaylight (hours)Travel score
Jan38° / 26°3.29.14.29.40.0
Feb40° / 27°3.08.33.510.40.1
Mar47° / 35°4.110.22.911.71.6
Apr59° / 46°3.610.60.313.14.4
May69° / 55°3.310.9014.26.2
Jun78° / 65°3.911.2014.96.4
Jul83° / 71°4.011.2014.65.6
Aug81° / 69°4.010.4013.66.3
Sep74° / 62°3.79.4012.36.9
Oct64° / 51°3.88.5010.95.8
Nov53° / 41°3.180.49.73.1
Dec43° / 32°3.99.72.69.10.6

Cloud cover in July

ClearMostly clearPartly cloudyMostly cloudyOvercast

The sky is clear or mostly clear about 29% of the time in July.

Beyond those clear spells, partly cloudy skies cover about 23% of July, with mostly cloudy or overcast conditions the remaining 48%.

0%25%50%75%100%151015202531
Clearer (%)Cloudier (%)
15149
25149
35248
45248
55347
65347
75347
85347
95446
105446
115446
125446
135446
145347
155347
165347
175248
185149
195149
205149
215149
225050
235050
245050
255050
265050
275050
285050
295050
305149
315149

Chance of precipitation in July

Any precipitation

Financial District gets around 4.0 in of rain over 11.2 wet days in July. The line is the day-by-day chance of measurable precipitation.

Day to day, the chance of measurable rain averages around 36% and peaks near 37% on the wettest days.

0%10%20%30%40%50%151015202531
Rain chance (%)
137
237
337
436
536
636
735
835
935
1035
1135
1234
1334
1434
1535
1635
1735
1835
1936
2036
2137
2237
2337
2437
2537
2637
2737
2837
2937
3037
3137

Humidity in July

DryComfortableHumidMuggyOppressiveMiserable

Most of July feels muggy — the stacked bands show each day's mix of comfort levels, read off the dew point.

By dew point, July lands in the muggy band about 36% of days. Sticky, muggy-or-worse air turns up on roughly 60% of them.

0%25%50%75%100%151015202531
Dry (%)Comfortable (%)Humid (%)Muggy (%)Oppressive (%)Miserable (%)
16172834151
26172834151
35172734161
45172734161
55172734171
65172734171
74162735171
84162634181
94162635191
104152635191
113152535201
123152535211
133142436211
143142436222
153142336232
162132336242
172132336242
182132236252
192122236262
202122237262
212122237262
221112237272
231112238272
241112238272
251112238272
261112238271
271112238271
281112238261
291112238261
302112338261
312112338261

Wind in July

Winds average 6 mph in July.

Across July, daily wind ranges from about 6 mph on the calmest days to 6 mph at its breeziest. It stays fairly steady from day to day.

0246810151015202531
Wind speed (mph)Feels
16calm
26calm
36calm
46calm
56calm
66calm
76calm
86calm
96calm
106calm
116calm
126calm
136calm
146calm
156calm
166calm
176calm
186calm
196calm
206calm
216calm
226calm
236calm
246calm
256calm
266calm
276calm
286calm
296calm
306calm
316calm

Sunrise & sunset in July

DaylightNight

Daylight runs from about 14 h 54 min at the start of July to 14 h 12 min by month's end. The lit band spans sunrise to sunset each day.

Days shrink by about 42 minutes over July. Sunrise moves from 4:33 AM to 4:55 AM, and sunset from 7:26 PM to 7:09 PM.

12 AM4 AM8 AM12 PM4 PM8 PM12 AM151015202531
Daylight (h)Sunrise (AM)Sunset (PM)
114.94:337:26
214.94:337:26
314.94:347:26
414.94:347:26
514.84:357:25
614.84:357:25
714.84:367:25
814.84:377:25
914.84:377:24
1014.84:387:24
1114.74:397:24
1214.74:397:23
1314.74:407:23
1414.74:417:22
1514.74:417:22
1614.64:427:21
1714.64:437:21
1814.64:447:20
1914.64:457:19
2014.64:457:19
2114.54:467:18
2214.54:477:17
2314.54:487:16
2414.44:497:15
2514.44:507:15
2614.44:517:14
2714.44:527:13
2814.34:527:12
2914.34:537:11
3014.34:547:10
3114.24:557:09

Solar energy in July

Daily solar energy (kWh/m²)

Average shortwave solar energy reaching the ground each day in July, about 5.89 kWh/m².

For context, solar energy here swings from a low near 1.75 kWh/m² to a high of 5.94 kWh/m² in June across the year — July's 5.89 kWh/m² sits near the top of that range.

0246151015202531
Solar energy (kWh/m²)Level
16.2Intense
26.2Intense
36.2Intense
46.2Intense
56.2Intense
66.1Intense
76.1Intense
86.1Intense
96.1Intense
106.1Intense
116.1Intense
126.0Intense
136.0Intense
146.0Bright
156.0Bright
165.9Bright
175.9Bright
185.9Bright
195.8Bright
205.8Bright
215.8Bright
225.7Bright
235.7Bright
245.7Bright
255.6Bright
265.6Bright
275.6Bright
285.6Bright
295.5Bright
305.5Bright
315.5Bright
Planning a trip in July

Hazard calendar for Financial District

In seasonPeak

In July, Financial District sits inside its atlantic hurricane season. The full year is below, with each hazard's peak months called out.

Financial District sits in the Atlantic hurricane belt; the season peaks August–October.

Atlantic hurricane
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec

Is July a good time to visit Financial District?

Our two travel scores rate July for general sightseeing and for beach or pool weather — 0 (poor) to 10 (ideal).

5.6
Sightseeing
6th-best month of the year
6.8
Beach & pool
1st-best month of the year

July is a reasonable time to visit Financial District for sightseeing. The water and warmth also suit a beach or pool day.

What to pack for Financial District in July

From July's temperature range, rain chance, sun and wind — what's worth putting in the bag.

In July, Financial District sees daytime highs around 83°F and nights near 71°F. Pack light clothes. Worth having: rain gear and sun protection. About 11 days see rain.

light clothesrain gearsun protection

Sea temperature near Financial District in July

The nearest coast averages about 72°F in July — the other half of the beach question. The full-year curve and swim-comfort zones are below.

The sea at the nearest coast (about 9 mi away) is warmest in August at about 74°F and coldest in February near 40°F.

It's comfortable for a long swim from Jun 30 to Sep 26 — about 2.9 months when the water holds above 68°F.

40°50°60°70°80°JanFebMarAprMayJunJulAugSepOctNovDecbracingcoolrefreshingwarmcomfortable to swim
Sea temperature (°F)Comfort
Jan43Bracing
Feb40Bracing
Mar41Bracing
Apr46Bracing
May55Bracing
Jun65Cool
Jul72Refreshing
Aug74Refreshing
Sep71Refreshing
Oct63Cool
Nov55Bracing
Dec48Bracing

UV index in Financial District in July

LowModerateHighVery highExtreme

Clear-sky midday UV in July peaks around 8 — enough to warrant sun protection. The full-year curve, shaded by WHO exposure level, is below.

Under clear skies, the midday UV index in Financial District peaks around July 11 at about 8 (very high) — sunscreen and a hat are worth it in the middle of the day. It bottoms out near December 22 at about 1 (low).

The index reaches 3 or more — the level where the WHO recommends sun protection — in 8 months of the year.

025710JanFebMarAprMayJunJulAugSepOctNovDecLowModerateHighVery highHighModerateLowJul 11UV 8Dec 22UV 1
UV index (midday)Level
Jan2Low
Feb3Moderate
Mar5Moderate
Apr6High
May7Very high
Jun8Very high
Jul8Very high
Aug6High
Sep6High
Oct3Moderate
Nov2Moderate
Dec1Low

Air quality in Financial District in July

GoodModeratePoorUnhealthyVery unhealthy

Average fine-particle pollution (PM2.5) through the year — so you can see where July falls, not just the annual average.

Air quality in Financial District is worst in July — around 18 µg/m³ PM2.5 (moderate), about 1.8× the cleanest month (November, 10 µg/m³).

Modeled monthly averages (CAMS reanalysis, 2015–2024).

0102030JanFebMarAprMayJunJulAugSepOctNovDecModerateGoodJul 1318 µg/m³Nov 1410 µg/m³
PM2.5 (µg/m³)Level
Jan12Moderate
Feb15Moderate
Mar16Moderate
Apr16Moderate
May17Moderate
Jun17Moderate
Jul18Moderate
Aug16Moderate
Sep14Moderate
Oct11Good
Nov10Good
Dec12Good
Location & terrain

Where is Financial District?

Financial District sits at 40.7°N, 74.0°W, 131 ft above sea level, in United States. The nearest listed city is New York City, 0.6 mi away.

Topography around Financial District

How much the land rises and falls, and what covers it, within 2, 10 and 50 miles of Financial District.

Within 2 miles, the terrain around Financial District has only modest variations in elevation — a maximum elevation change of 469 ft around an average of 33 ft above sea level; within 10 miles, only modest variations in elevation — a maximum elevation change of 597 ft; within 50 miles, significant variations in elevation — a maximum elevation change of 1,909 ft.

The land around Financial District is covered by artificial surfaces (48%) and water (42%) within 2 miles, artificial surfaces (61%) and water (21%) within 10 miles, and trees (52%) and water (28%) within 50 miles.

2 miles
469 ft
10 miles
597 ft
50 miles
1,909 ft
treesgrasslandcroplandartificial surfacesbare terrainwaterwetland
July weather nearby: New York City 0.6 mi · Chinatown 0.6 mi · Brooklyn Heights 1.2 mi · West Village 1.9 mi · East Village 1.9 mi · Gramercy Park 2.5 mi · Hoboken 2.5 mi · Park Slope 3.1 mi

United States travel facts

Power plugs
Type A / B
120 V · 60 Hz
Prices
≈ 100% of US
price level, 2025
GDP per capita
$90,027
2025
Happiness
6.8 / 10
World Happiness, 2025
Safe drinking water
98%
of population, 2024
Homicide rate
5.8
per 100k, 2023
Road deaths
12.7
per 100k/yr, 2019
Income group
High
World Bank
Religion
Protestant 47%unaffiliated 23%Roman Catholic 21%Jewish 2%

Sources: World Bank, US State Department, World Happiness Report, WHO/UNICEF, EF EPI, CIA World Factbook.

Data sources

Temperature, precipitation, cloud, humidity, wind and solar figures are a 1991–2020 climatology for Financial District (40.7079°, -74.0086°, elevation 131 ft), computed from hourly ERA5 reanalysis — contains modified Copernicus Climate Change Service information. Sun figures are astronomical calculations, not observations. City data © GeoNames, CC BY 4.0. Map outlines from Natural Earth (public domain); interactive map © Google. Tropical-cyclone seasons are the published climatological basin seasons (NOAA National Hurricane Center / regional warning centres). Sea temperatures are the NOAA OISST v2.1 1991–2020 monthly climatology (public domain), sampled at the nearest ocean point. UV index is derived from CAMS (Copernicus Atmosphere Monitoring Service) clear-sky UV data — contains modified Copernicus Atmosphere Monitoring Service information. Monthly air-quality (PM2.5) seasonality is from the CAMS EAC4 reanalysis (Copernicus Atmosphere Monitoring Service), scaled to the WHO annual mean where available. Topography is sampled from the Copernicus DEM GLO-90 elevation model (© ESA/Airbus) and ESA WorldCover 2021 land cover (CC BY 4.0).