NEW YORK · 5TH OF 51

Cost of living in New York

Prices, pay, taxes, homes and family budgets, county by county, from the same official data the site's calculators use.

The short answer: Prices in New York run 7.9% above the national average, 5th most expensive of the 50 states and DC. Rents run 22.2% above the national average. The median worker earns $59,670 a year. A typical home in the median New York county is worth $257,530.
Prices

How far a dollar goes in New York.

The Bureau of Economic Analysis measures price levels in every state against a national average of 100. New York scores 107.9 overall, so a $75,000 salary at average US prices buys what $80,941 buys here. Compare any salary with another state.

Price levelNew York (US = 100)Rank, most expensive first
Everything107.95th of 51
Rents122.28th of 51
Goods107.3—
Other services104.1—

Home electricity averaged 24.43 cents a kilowatt-hour in 2024, against 17.06 across all states. A gallon of regular gas cost $4.21 at the end of August 2026, against $4.12.

Pay and taxes

What people earn, and what they keep.

Across all 9,688,000 jobs the Bureau of Labor Statistics counts in New York, the median pay is $59,670 a year, or $28.69 an hour; that ranks 7th of the 50 states and DC. One worker in ten earns less than $35,760 and one in ten more than $157,500.

New York taxes wages in brackets, with a top rate of 10.9%. The brackets in New York. A single filer on the median $59,670, with no retirement or health deductions, takes home about $47,068 a year, or $1,810 every two weeks, after $4,980 of federal income tax, $4,565 of Social Security and Medicare and $3,057 of state income tax. Work out your own paycheck in New York.

$59,670
median pay, all jobs
$28.69
median hourly pay
$47,068
take-home on the median, single filer
10.9%
top state income tax rate
Jobs

The most common jobs in New York.

The five occupations employing the most people, with their median annual pay:

Of the 20 largest occupations, the best paid are lawyers ($207,860), software developers ($166,180), general and operations managers ($130,860). See what common jobs pay in every state.

Housing

What a home costs, and who can afford one.

Across the 62 New York counties with their own Zillow home value, the median typical home is worth $257,530, and across the 49 with their own rent figure the median typical rent is $1,548 a month. A typical home costs 2.95 years of the county's median family income, at the median county.

With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $2,069 a month with tax, insurance and mortgage insurance, which takes $88,684 a year of income under the usual 28% guideline. The median family can afford its own county's typical home in 41.9% of New York's counties, against 44.9% of counties nationally. Try it with your own income.

At the median county, home values changed +5.5% over the past year and +32.3% over five years, and rents +5.2% over the past year.

The most expensive New York counties are New York County ($1,254,053), Kings County ($971,639) and Westchester County ($886,668); the least expensive are Allegany County ($142,982), St. Lawrence County ($150,602) and Chenango County ($166,635).

What a household needs

A modest budget, priced county by county.

The Economic Policy Institute prices what a modest but adequate standard of living costs in every county: housing, food, transport, healthcare, childcare, other necessities and taxes. In the median New York county, that comes to $50,878 a year for one adult and $120,159 for two adults and two children, of which $23,968 is childcare. The national averages are $47,367 and $101,771. Median family income in the median county is $88,049.

Two adults, two childrenPer year, median countyPer month
Housing$14,438$1,203
Food$12,617$1,051
Transportation$19,186$1,599
Healthcare$20,064$1,672
Childcare$23,968$1,997
Other necessities$8,351$696
Taxes$20,233$1,686

Each line is its own median across counties, so the lines do not add up exactly to the total.

College

What college costs here.

The Department of Education's College Scorecard lists 417 colleges in New York, 108 of them public. The median public college reports a cost of attendance of $16,830 a year, covering tuition, housing, books and other expenses. Ten years after enrolling, the median school's former students earn $47,733. Compare degrees and schools.

Every county

All 62 counties.

Show the table
Albany County$376,480+4.6%$1,668$115,490$131,694
Allegany County$142,982+7.6%—$80,013$105,262
Bronx County$502,648+5.6%$2,794$59,322$144,085
Broome County$204,090+6.4%$1,331$83,422$113,976
Cattaraugus County$168,000+4.8%$1,061$75,127$102,958
Cayuga County$238,643+6.1%$1,451$85,449$109,939
Chautauqua County$180,156+4.9%$1,022$76,149$102,116
Chemung County$166,792+5.7%$1,135$81,566$117,271
Chenango County$166,635+7.5%—$76,894$105,917
Clinton County$234,264+6.4%$1,450$90,354$121,758
Columbia County$488,466+6.1%$2,104$104,645$122,207
Cortland County$209,946+6.9%$1,308$85,316$110,019
Delaware County$253,239+2.9%$1,075$76,474$114,024
Dutchess County$505,712+5.5%$2,154$122,611$148,573
Erie County$301,755+4.1%$1,491$96,230$118,505
Essex County$297,848+10.5%—$85,105$114,647
Franklin County$180,341+8.0%—$75,978$108,361
Fulton County$231,092+7.4%$962$73,183$107,601
Genesee County$230,970+5.8%$1,444$89,729$107,036
Greene County$370,068+3.0%$1,681$96,523$116,441
Hamilton County$275,515+3.1%—$87,302$122,582
Herkimer County$206,905+7.0%—$88,417$121,373
Jefferson County$235,506+5.8%$1,504$80,333$117,753
Kings County$971,639+4.6%$3,860$87,226$161,667
Lewis County$201,054+5.5%—$78,095$108,122
Livingston County$250,099+4.1%$1,682$93,602$120,677
Madison County$265,879+6.7%$1,191$94,317$118,128
Monroe County$295,138+4.5%$1,548$99,834$130,609
Montgomery County$216,435+2.2%$1,164$86,028$113,753
Nassau County$859,466+5.1%$3,655$165,692$173,868
New York County$1,254,053+2.6%$4,846$142,014$182,886
Niagara County$258,142+6.2%$1,175$88,304$107,790
Oneida County$240,539+7.4%$1,446$88,011$114,374
Onondaga County$290,079+6.4%$1,659$98,891$126,515
Ontario County$331,802+6.2%$1,808$100,623$134,189
Orange County$470,558+4.2%$2,321$113,255$149,394
Orleans County$207,441+8.2%—$83,039$112,731
Oswego County$211,749+8.4%$1,361$84,690$117,131
Otsego County$221,447+4.1%$1,562$84,415$121,952
Putnam County$580,602+5.6%$2,867$144,954$182,646
Queens County$751,364+4.5%$3,284$96,052$167,976
Rensselaer County$332,753+6.3%$1,595$111,952$130,631
Richmond County$732,730+5.3%$2,623$117,811$168,440
Rockland County$767,885+4.1%$2,971$130,026$180,355
Saratoga County$474,627+5.7%$1,879$125,869$140,103
Schenectady County$317,519+5.4%$1,486$98,882$129,110
Schoharie County$256,222+7.3%—$87,727$124,650
Schuyler County$250,031+5.3%—$84,851$110,439
Seneca County$229,354+5.7%—$86,917$110,712
St. Lawrence County$150,602+5.4%$1,197$80,918$109,529
Steuben County$174,606+5.1%$1,314$86,598$108,526
Suffolk County$723,980+3.3%$3,303$147,792$176,193
Sullivan County$325,747+4.6%$1,857$88,086$117,545
Tioga County$211,016+5.8%$1,256$86,598$118,484
Tompkins County$359,644+3.9%$1,872$111,825$151,012
Ulster County$449,947+3.3%$1,995$110,044$145,805
Warren County$385,025+6.7%$1,518$102,500$130,735
Washington County$256,918+4.2%$1,400$84,756$122,422
Wayne County$256,621+6.0%$1,232$94,964$120,304
Westchester County$886,668+6.4%$3,183$153,491$183,025
Wyoming County$214,077+4.4%—$84,930$105,218
Yates County$327,019+4.0%—$82,228$120,014

A dash means the source publishes no figure for that county. Home values and rents are Zillow's own county figures only; counties Zillow does not cover are left blank rather than filled with a state average.

Metro areas

The largest metro areas in New York.

New York, NY (typical rent $3,627), Buffalo, NY (typical rent $1,446), Rochester, NY (typical rent $1,557), Albany, NY (typical rent $1,689), Poughkeepsie, NY (typical rent $2,257), Syracuse, NY (typical rent $1,613).

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More about New York

Cost of living · Income tax · Child care costs

Run the numbersTake-home pay in New York · What a salary is worth in New York · How much rent you can afford · What a car costs in New York

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Where this comes from
Prices
Bureau of Economic Analysis, Regional Price Parities by State, 2024. Electricity: EIA average residential price, 2024. Gas: AAA state averages, August 30, 2026.
Pay
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, all occupations. Take-home uses the paycheck calculator's 2026 federal tables and the state's own tax tables.
Homes and rents
Zillow Home Value Index and Observed Rent Index by county, July 2026. Mortgage rate: Freddie Mac, 7.03% on September 24, 2026; 1.1% property tax and $1,700 a year of insurance assumed.
Budgets and family income
Economic Policy Institute, Family Budget Calculator, 2026 edition, by county.
Jobs and colleges
BLS OEWS May 2025 by occupation. U.S. Department of Education College Scorecard, latest cohort. Home value and rent changes compare Zillow's latest month with the same month one and five years earlier.

County figures are medians across New York's counties, each counting once, so they describe the spread of places rather than of people. Property tax and insurance vary widely; the calculators let you use your own.

Keep reading
Cost of Living Calculator
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Home Affordability Calculator
The most house your income and debts support, and what it costs monthly.
Paycheck Calculator
Take-home pay after federal, state and FICA withholding.