Cost Of Living in Haviland, 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	Haviland	New York	National
Cost of living	116	117	100
Goods & Services	113	108	100
Groceries	105	102	100
Health care	110	103	100
Housing	123	145	100
Transportation	102	105	100
Utilities	131	100	100

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Cost Of Living Quick Facts

The cost of living in Haviland is 1% lower than the New York average
The cost of living in Haviland is 16% higher than the national average
Haviland housing is 23% higher 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)
Owners	$77,500	$6,458	$1,808	$2,325
Renters	$62,639	$5,220	$1,461	$1,879

To approximate the cost of living and the housing affordability in Haviland, NY, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Haviland have a median income of $77,500. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,808 per month to avoid calamity and poverty. The renters in the city have an income of about $62,639, which would make their monthly maximum allowable rental costs $1,461.

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	Haviland	National avg.	Difference
Haircut	$32.33	$24.26	33.3%
Beauty Salon	$48.56	$45.56	6.6%
Toothpaste	$3.66	$3.70	1.1%
Shampoo	$1.50	$1.28	17.4%
Movie	$13.76	$12.13	13.4%
Bowling	$19.63	$18.00	9.0%

Groceries

Item	Haviland	National avg.	Difference
Ground Beef	$6.34	$5.84	8.6%
Fried Chicken	$1.61	$1.57	2.4%
Milk	$4.73	$4.67	1.2%
Potatoes	$5.03	$4.93	1.9%
Pizza	$10.07	$12.09	16.7%
Beer	$10.62	$10.41	2.0%

Health Care

Item	Haviland	National avg.	Difference
Optometrist	$140.10	$125.68	11.5%
Doctor	$143.23	$135.78	5.5%
Dentist	$123.00	$113.29	8.6%
Ibuprofen	$11.00	$10.65	3.3%
Lipitor	$401.34	$468.60	14.4%

Housing

Item	Haviland	National avg.	Difference
Home Price	$216,900.00	$184,700.00	17.4%
Avg. Mortgage Payment	$1,857.27	$2,346.69	20.9%
Apartment Rent	$1,288.00	$949.00	35.7%

Transportation

Item	Haviland	National avg.	Difference
Gasoline	$3.33	$3.46	3.7%
Tire Balancing	$57.68	$59.92	3.7%

Utilities

Item	Haviland	National avg.	Difference
All Electricity	$281.67	$193.99	45.2%
Phone	$185.16	$192.25	3.7%

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.
Salt Point, NY	190	112	12.4%
Rifton, NY	506	112	12.4%
High Falls, NY	415	106	5.7%
Lincoln Park, NY	2,167	101	0.5%
Lake Katrine, NY	2,536	101	1.2%
Haviland, NY	3,148	116	15.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Union City, PA	3,148	87	13.0%
Grand Saline, TX	3,148	84	16.1%
Cashmere, WA	3,148	114	14.4%
Wesleyville, PA	3,147	87	12.6%
Hamburg, NJ	3,149	105	5.4%
Haviland, NY	3,148	116	15.6%

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 Haviland, NY