Cost Of Living in Cold Spring, NY

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Cold Spring	Buffalo	New York
Cost of living	83	86	117
Goods & Services	94	94	108
Groceries	97	97	102
Health care	101	101	103
Housing	54	64	145
Transportation	95	95	105
Utilities	94	94	100

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Cost Of Living Quick Facts

The cost of living in Cold Spring is 29% lower than the Buffalo average
The cost of living in Cold Spring is 17% lower than the national average
Cold Spring housing is 46% lower than the national average
New York general sales tax is 22% lower than the national average
New York state income tax is 54% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Household	$50,303	$4,192	$1,174	$1,509

New York Sales Tax

State	General Sales Tax	With Max Surtax
New York	4%	8.875%

New York Income Tax

State	Income Tax (Low)	Income Tax (High)
New York	4%	10.9%

Goods & Services

Item	Buffalo	National avg.	Difference
Haircut	$21.65	$24.26	10.8%
Beauty Salon	$53.07	$45.56	16.5%
Toothpaste	$3.61	$3.70	2.5%
Shampoo	$1.30	$1.28	1.8%
Movie	$12.76	$12.13	5.2%
Bowling	$14.60	$18.00	18.9%

Groceries

Item	Buffalo	National avg.	Difference
Ground Beef	$6.16	$5.84	5.5%
Fried Chicken	$1.39	$1.57	11.4%
Milk	$4.67	$4.67	0.0%
Potatoes	$5.26	$4.93	6.5%
Pizza	$10.99	$12.09	9.1%
Beer	$10.47	$10.41	0.6%

Health Care

Item	Buffalo	National avg.	Difference
Optometrist	$75.93	$125.68	39.6%
Doctor	$103.92	$135.78	23.5%
Dentist	$149.67	$113.29	32.1%
Ibuprofen	$10.42	$10.65	2.2%
Lipitor	$464.18	$468.60	0.9%

Housing

Item	Buffalo	National avg.	Difference
Home Price	$101,000.00	$184,700.00	45.3%
Avg. Mortgage Payment	$2,421.64	$2,346.69	3.2%
Apartment Rent	$801.00	$949.00	15.6%

Transportation

Item	Buffalo	National avg.	Difference
Gasoline	$3.46	$3.46	0.1%
Tire Balancing	$48.79	$59.92	18.6%

Utilities

Item	Buffalo	National avg.	Difference
All Electricity	$173.44	$193.99	10.6%
Phone	$195.54	$192.25	1.7%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Niagara Falls, NY	47,978	82	18.5%
Sloan, NY	3,547	83	16.8%
Tonawanda city, NY	14,991	84	16.5%
Lackawanna, NY	17,751	85	15.5%
Rapids, NY	687	86	14.2%
Buffalo, NY	255,805	86	14.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Scottsdale, AZ	254,995	137	37.3%
Lubbock, TX	257,013	92	7.7%
Chandler, AZ	257,076	127	27.4%
Madison, WI	258,366	115	14.8%
Burnaby, BC	258,827	n/a
Buffalo, NY	255,805	86	14.5%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Cold Spring, Buffalo, NY