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Cost of Living in
New York

Living cost is 24.01% higher than avg
Families spend upto $10,855/mo on avg
Homeowners spend $10,587/mo on avg
Renters spend $6,085/mo on avg

Cost of Living in
New York

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A Breakdown of the Cost of Living in New York

U.S. Avg.

New York

Difference Diff

Home Price

$532,491

$926,035.31

74%

Apartment Rent (per month)

$1,367

$2,470.92

81%

U.S. Avg.

New York

Difference Diff

Phone (per month)

$219.4

$204.3

Total Energy (per month)

$200.23

$227.29

14%

U.S. Avg.

New York

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$5.83

14%

Frozen Corn (per bag)

$2.41

$2.29

Frozen Meal (per package)

$4.85

$4.16

14%

Cooking Oil (per bottle)

$6.16

$9.73

58%

Detergent (per bottle)

$19.51

$21.13

Facial Tissues (per box)

$2.85

$2.46

14%

Sweet Peas (per can)

$1.83

$1.88

Sugar (per bag)

$4.66

$5.27

13%

Bread (per loaf)

$3.87

$4.06

Frying Chicken (per lb)

$1.64

$1.5

Meat & Poultry

Chicken (per lb)

$1.71

$1.54

10%

Steak (per lb)

$14.54

$17.06

17%

Sausage (per lb)

$5.23

$5.08

Ground Beef (per lb)

$8.61

$7.57

12%

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$3.07

11%

Potato Chips (per bag)

$5.54

$4.34

22%

Coffee (per lb)

$6.55

$6.32

Fresh Orange Juice (per half gallon)

$5.22

$4.97

Fruits & Vegetables

Peaches (per can)

$4.40

$2.87

35%

Lettuce (per head)

$1.98

$2.15

Bananas (per lb)

$0.64

$0.82

29%

Potatoes (per bag)

$5.58

$5.69

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$5.19

11%

Margarine (per lb)

$1.30

$1.63

26%

Eggs (per dozen)

$3.98

$4.71

18%

Whole Milk (per gallon)

$4.08

$4.98

22%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.45

19%

U.S. Avg.

New York

Difference Diff

Tire Balance (per tire)

$70.23

$75.28

Gasoline (per gallon)

$2.9

$3.29

14%

U.S. Avg.

New York

Difference Diff

Doctor Visit (per visit)

$116.03

$178.73

54%

Dentist Visit (per visit)

$145.11

$138.01

Ibuprofen (per bottle)

$12.38

$11.89

Prescription Drug (per month)

$20.8

$24.2

16%

Optometrist Visit (per visit)

$95.27

$149.48

57%

U.S. Avg.

New York

Difference Diff

Women’s Slacks

$35.43

$37.75

Boys’ Jeans

$29.47

$26.85

Men’s Shirt

$39.36

$37.54

Wine (per bottle)

$7.51

$13.98

86%

Beer (per 6-pack)

$11.17

$10.67

Veterinary Services (per visit)

$65.33

$84.01

29%

Tennis Balls (per pack)

$3.59

$3.93

10%

Yoga (per class)

$12

$21.28

77%

Movie (per ticket)

$11.67

$14.84

27%

Newspaper (per copy)

$19.31

$11.78

39%

Washer Repair (per service)

$109.47

$101.62

Women Slacks

$34.88

$37.69

Boy Jeans

$29.51

$26.94

Man Dress Shirt

$39.05

$37.79

Dry Cleaning (per item)

$13.45

$20.71

54%

Shampoo (per bottle)

$1.55

$1.62

Toothpaste (per tube)

$3.64

$4.29

18%

Beauty Salon (per visit)

$47.5

$54.43

15%

Haircut (per cut)

$27.08

$27.44

Fried Chicken (per serving)

$4.37

$5.71

31%

Pizza (per pizza)

$11.99

$14.01

17%

Hamburger (per serving)

$5.28

$6.15

16%

The average cost of living in New York State is 24.01% higher than the national average, making it the most expensive state in the US. While global landmarks like Manhattan, Times Square, and Broadway define much of the Empire State’s image, New York also has affordable upstate cities such as Albany, Syracuse, and Buffalo. However, with economic powerhouses like New York City and a robust tourism-driven service sector, overall prices across the state remain high, particularly when it comes to housing, transportation, and everyday services.

Housing in New York State is 74% higher than the national median. The median home price statewide is $926,035.31, though this skews higher in expensive areas like NYC, Westchester, and Long Island. But more affordable markets do exist; homes in cities like Rochester or Schroon Lake can cost under $300,000.
Renting in New York State is 80.8% higher than the national average of $1,530. A one-bedroom apartment statewide averages around $3,500 per month, with two-bedrooms at $4,800 a month—again, largely driven by downstate markets. In upstate cities like Buffalo or Utica, rents may hover between $800 and $1,400, offering significant relief to those who live outside the metro bubble.
Utility bills in New York are 4% higher than the national average. For an average household, basic utilities (electricity, heating, cooling, water, and garbage) cost $175 to $250 monthly, depending on the region. Add internet and renters’ insurance (ranging from $200 to $500 annually), and you’re looking at substantial monthly outlays, especially in more urbanized counties like Kings (Brooklyn) and Queens.
Food prices in New York State are 4% higher than the US median. A gallon of milk might be $4.98 in NYC, but $3.80 to $4.50 in smaller towns like Binghamton or Poughkeepsie. A family of four can expect to spend $1,500 to $1,800 per month on groceries, while single adults typically spend $500 to $700 monthly, depending on their lifestyle and location. Dining out varies widely, from $10 diners in Albany to $40 bistros in SoHo.
Transportation costs are 15.48% higher than the US average. Gas prices hover around $3.29 per gallon, higher than in cities like Los Angeles or Chicago. Car insurance in the state averages $280 a month, about 20% more than the national average. If you’re commuting from the suburbs or driving frequently, you should also factor in tolls, parking fees, and vehicle maintenance.
Healthcare in New York costs 12.46% higher than the national average. A routine check-up typically costs $178.73, while emergency room visits without insurance can exceed $2,000, especially in larger hospitals or academic medical centers. While upstate facilities are often more affordable, specialist services in NYC and Westchester carry premium fees. On the upside, New York offers some of the best medical care in the country.
Miscellaneous expenses are 6.01% higher than the national average.This includes weekend outings, gym memberships (which range from $50 to $150 per month, depending on the location), and entertainment like Broadway shows. A family day at the Museum of Natural History can cost around $60 to $100, while date night at a restaurant in downtown Manhattan can exceed $150.

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Is Living in New York Expensive?

Yes, New York is one of the most expensive places to live in the US. New York’s cost of living is 24.01% higher than the national average, with housing being the largest contributor, at 74% higher the national median.

With a budget of $700K, you might find a small apartment in a less desirable neighborhood, or a studio with no parking. In contrast, the same budget could get you a larger home with a yard in cities like Charlotte or Phoenix. Moreover, high costs for food, utilities, and transportation puts New York out of reach for many middle-class families.

Housing in New York

If you’re buying a home in New York, brace yourself for high prices and additional costs. Housing in New York is 74% higher than the national average, making it one of the most expensive markets in the US. With mortgage rates typically ranging from 5.5% to over 6.5%, and HOA fees adding another $400 to $800, your monthly payments can feel overwhelming. Let’s break down the costs of buying a home in New York:

Buying a House in New York

For young adults or single individuals, neighborhoods like Astoria, Long Island City, or Bushwick are popular, offering access to public transportation and amenities like cafes, bars, and art galleries. Apartments in Bushwick and condos in Long Island City average around $650,000 to $750,000. At that price point, mortgage payments typically range from $3,500 to $4,500 per month, excluding taxes and insurance. For those on a tighter budget, one-bedroom homes in East Harlem or studios in Sunset Park offer more affordable options, usually priced between $400,000 and $550,000.
For married couples with young children (under 6), you can expect to pay between $800,000 and $1.5 million for three-bedroom homes in Forest Hills or Park Slope—both family-friendly neighborhoods. Homes with private yards in Bay Ridge or Riverdale are also great options for families. Local schools like P.S. 321 in Park Slope and private schools in the Bronx are known for their strong academic and extracurricular programs, offering a supportive environment for young children.
For married couples with older children (ages 6 to 17), you’ll find spacious multi-family homes in Scarsdale or luxury properties in Westchester ranging from $1.2 million to $3 million. Suburbs like Westchester and parts of Long Island offer four-bedroom homes in Syosset and access to top schools like Scarsdale High School and Syosset High School. These neighborhoods provide a suburban lifestyle with excellent schools, parks, and recreational options, while still being within a reasonable commuting distance to Manhattan.

Renting a House in New York

Renting in New York costs 80.8% higher than the national average. While typical US rent is around $1,500 per month, New York renters pay upwards of $2,470.92, depending on the neighborhood and home size. Here’s a breakdown of living expenses in New York State:

If you’re a young adult or single, rent for a one-bedroom home in Bushwick, apartments in Williamsburg, or condos in Astoria averages between $2,500 and $3,500 per month. Williamsburg offers a trendy vibe and proximity to Manhattan, while Astoria is known for its relaxed atmosphere and good transit access. For more affordable options, apartments in Sunset Park or East Harlem charge rents from $1,800 to $2,500 monthly.
For married couples with young children (under 6), you can expect to pay $3,500 to $5,500 per month for a two-bedroom house in Park Slope or Brooklyn Heights. These areas have great parks,top schools like P.S. 321, and plenty of family-friendly amenities.
For families with older children (ages 6 to 17), renting a three-bedroom home in Scarsdale or a luxury property in Riverdale typically costs $4,500 to $6,500 per month. These neighborhoods offer larger living spaces, proximity to top schools like Scarsdale High, and plenty of green spaces.
If you’re downsizing, expect to pay $2,500 to $3,500 per month for a one-bedroom home in Astoria or apartments in the Upper West Side. These neighborhoods provide access to healthcare, public transit, and cultural amenities.
International students should budget around $3,000 per month for a one-bedroom home in Midtown or Greenwich Village. Sharing larger homes in West Village or apartments in Jackson Heights can reduce your rent by up to 30%. These areas are also well-connected and have student-friendly amenities.

Utilities in New York

Food and Groceries in New York

Transportation in New York

Healthcare in New York

Healthcare costs in the state are 12.46% higher than the national average, reflecting the overall price of living in New York. While the quality of healthcare is top-notch, medical bills, especially for urgent or specialized care, can be rather expensive. Here’s a breakdown of medical costs in New York:

Doctor Visit — $178.73+ per visit: A typical doctor visit in New York averages around $178.73. General consultations for things like flu symptoms, blood pressure checks, or routine prescriptions usually fall within this range. Specialized visits, such as orthopedics or mental health therapy, can cost considerably more.
Dentist Visit — $138.01+ per visit: Basic dental cleanings and exams in New York typically cost about $138.01. A basic cleaning is around $160 to $200, while cavity fillings may cost $250 to $400. While New York is known for its high dental care costs, it still tends to be lower than in states like California, where the average cleaning can exceed $200.
Optometrist Visit — $149.48+ per visit: This includes vision checks and prescription updates. Specialized services, like dilation exams tests or retinal imaging, can add $75 to $200 more.
Prescription Drugs — $24.20+ per package: For common prescriptions, such as Lisinopril (for high blood pressure), expect to pay around $15 to $35 per month. For type 2 diabetes treatment with Metformin, expect costs ranging from $25 to $50 per month. Short-term antibiotics like Amoxicillin typically cost $25– to $45.
Over-the-Counter Meds — $11.89+ per package: Over-the-counter essentials like ibuprofen, allergy medication, and cold remedies like Mucinex cost between $12 and $15 per package in New York. Having a fully stocked medicine cabinet helps you manage the occasional headache or seasonal allergy flare-up.

While healthcare in New York is expensive, the state offers access to world-class medical facilities and specialists. Its fast-paced lifestyle and higher stress levels can sometimes lead to higher healthcare needs, particularly for mental health and chronic conditions.
So, it's important to have health insurance, as the average cost of a doctor’s visit in New York is around $178.73*. Monthly insurance premiums typically range between $600* and $1,200*.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in New York

Miscellaneous expenses across New York State are generally 6.01% higher than the national average, but costs vary significantly between upstate towns and downstate metros. From dining out to self-care, the Empire State offers a mix of urban luxury and suburban practicality.

Food and Drinks: Dining out in New York State is all about variety; from $10 diners in Buffalo to $40+ bistros in Manhattan. A burger at a casual restaurant costs around $6.15, while a sit-down dinner with an entrée, drink, and side may run $25 to $45. A slice of pizza is typically $14.01, and sushi rolls average $12 to $22, depending on the region. A cup of coffee costs $6.32, while a craft beer ranges from $7 to $14 in Rochester to $12 in Brooklyn.
Personal Care and Grooming: Personal care costs vary by location. A basic haircut costs $27.44; and beauty salon treatments with shampoo, styling, and blow-dry average $60 to $110. Skincare sessions are typically $70 to $130, and manicures/pedicures cost $25 to $55. Spa services like massages start at $80, with higher rates in upscale areas like Westchester and Manhattan.
Clothing and Laundry: Clothing prices are fairly consistent across the state, though fashion trends are more prevalent in metro areas. Expect to pay $45 to $60 for a dress shirt, and $37.54 for a quality pair of jeans. Dry cleaning averages $20.71 per item statewide, with lower prices in smaller towns. At-home laundry remains the most cost-effective option, especially outside major cities.
Fitness and Entertainment: Gym memberships in New York State range from $30 a month in Albany to $90 a month in NYC. A yoga or pilates class costs about $21.28. Movie ticket prices average $14.84, with discount matinees common in suburban theaters. Outdoor options like hiking in the Adirondacks or walking along Lake Ontario are free and widely enjoyed activities.
Pet-Related Expenses: Veterinary costs vary, with routine checkups ranging from $84.01. Emergency care and specialty treatments are more expensive near major urban centers. Fortunately, New York is super pet-friendly, with dog parks in towns like Ithaca, Albany, and Syracuse, plus plenty of nature trails and public spaces for you and your pets.

What Salary Do You Need to Live in New York?

The average salary in New York is 24.01% higher. However, given the state’s steep housing costs, expensive transportation, and high taxes, this income often falls short of what you need to maintain a comfortable lifestyle, especially in metro areas like NYC or Westchester County.

Homeowners spend $127,050.00 per year: Mortgage payments, property taxes, insurance, and heating costs push annual expenses high. Homeownership in places like Long Island or the Hudson Valley means extra costs for commuting and maintenance.

Renters spend $73,014.00 per year: Between high monthly rent, utilities, groceries, and basic transportation, renters, especially in urban hubs, see their budgets stretch thin. A modest one-bedroom in NYC or Albany can still cost more than the national average.

Families with kids spend $130,258.00 per year: Whether you're paying for daycare in Brooklyn or covering extracurriculars in Buffalo, raising children in New York is expensive. Healthcare, education, and food costs drive annual expenses well beyond six figures.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a New York cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine New York's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in New York State?

The cost of gas in New York State averages $3.29 per gallon. Increased demand during peak travel seasons (like summer or holiday weekends), local fuel taxes, congestion tolls, or limited station competition can cause regional spikes, particularly in urban centers.

Is New York a good place to live?

Yes, New York can be an excellent place to live if you thrive in a fast-paced, urban environment filled with world-class amenities, cultural diversity, and iconic landmarks. From top-tier healthcare and education to vibrant neighborhoods like the Upper West Side and Brooklyn Heights, the city offers an unmatched lifestyle. However, the cost of life in New York is one of the highest in the US.

What is the cost of living in New York State?

The average cost of living in NY is 24.01% higher than the national average, driven largely by housing and transportation. Expensive areas include Manhattan, Brooklyn, Westchester County, and parts of Long Island. In contrast, upstate cities like Buffalo and Albany offer more affordable living options.

What is the average rent in New York State?

A one-bedroom apartment in New York State typically rents for $2,800 to $4,500 per month. In other parts of the state, such as Syracuse or Rochester, rent is more affordable, ranging from $1,000 to $2,000 for similar-sized apartments.

How much is a two-bedroom apartment in New York?

A two-bedroom apartment in New York State typically costs between $4,000 and $6,000 per month. In less expensive neighborhoods or upstate areas, the rent for a two-bedroom apartment ranges from $1,500 to $3,000.

What is the average price of utilities in New York?

Utilities in New York range from $538 to over $600 per month, depending on the location and season. These costs include electricity, water, sewer, and trash services, with winter heating and summer cooling driving up expenses.

How much is childcare in New York State?

Childcare costs in New York range from $1,200 to $2,500 per month for toddlers, depending on the area. Daycare centers in Manhattan and Brooklyn are typically more expensive compared to suburban areas like Long Island or upstate New York.