Ardsley cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexArdsleyNew YorkNational
Cost of living index176122100
IndexArdsleyNew YorkNational
Goods & Services index126112100
Groceries index122103100
Health care index115104100
Housing index303149100
Transportation index100122100
Utilities index132102100
Here we can see a simple outline of the cost of living in Ardsley, NY. As you can see, with the average cost of living in Ardsley, NY being 176, that puts it 45% higher than the average of New York and 76% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Ardsley, NY, the price of goods and services are 12% higher than the average of New York as well as 26% higher than the nation's average.

Did you know?

  • The cost of living in Ardsley is 45% higher than the New York average.
  • The cost of living in Ardsley is 76% higher than the national average.
  • The cost of housing in Ardsley is 203% higher than the national average.
  • New York general sales tax is 21% lower than the national average.
  • New York state income tax is 80% higher than the national average.

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Compare Ardsley, NY Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Health care index
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Using the salary calculator lets you compare the salary you earn in Ardsley, NY to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Ardsley, NY, you have to earn a higher income in order to still have the same standard of living. To operate the Ardsley, NY salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$162,094$13,508$3,782$4,863
Renters$56,111$4,676$1,309$1,683
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Ardsley, NY, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Ardsley, NY has a median income of about $162,094 for people who own homes. Based on that number, a person should spend a maximum of $3,782 on expenses related to housing. Renters have a slightly different median income, which is $56,111. Based on this average, renters should spend no more than $1,309 on all of their rental costs if they want to maintain a non-impoverished standard of living.

New York Sales Tax

StateGeneral Sales TaxWith Max Surtax
New York4%8.875%

New York Income Tax

StateIncome Tax (Low)Income Tax (High)
New York4%8.82%
When considering the overall cost of living expenses in Ardsley, NY, it's important to take into account the sales tax for New York, as well as the rate for income tax in New York. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for New York is 8.875%, and the sales tax in the state of New York is 4%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in New York starts from 4% and goes up to 8.82%.

Goods & Services

ItemArdsleyNational avg.Difference
Haircut $20.00$14.5937.0%
Beauty Salon $67.50$34.6894.6%
Toothpaste $4.04$2.4763.3%
Shampoo $0.88$1.0213.9%
Movie $14.75$9.8749.5%
Bowling $7.94$4.3980.8%

Groceries

ItemArdsleyNational avg.Difference
Ground Beef $3.99$4.4810.9%
Fried Chicken $1.04$1.4629.0%
Milk $2.26$2.364.1%
Potatoes $3.92$3.0628.0%
Pizza $10.00$9.248.2%
Beer $9.82$8.6313.8%

Health Care

ItemArdsleyNational avg.Difference
Optometrist $111.67$99.7811.9%
Doctor $123.75$105.0317.8%
Dentist $110.00$88.7024.0%
Ibuprofen $10.33$9.419.8%
Lipitor $299.00$298.500.2%

Housing

ItemArdsleyNational avg.Difference
Home Price $629,800.00$175,700.00258.5%
Avg. Mortgage Payment $2,127.00$1,081.0396.8%
Apartment Rent $1,596.00$920.0073.5%

Transportation

ItemArdsleyNational avg.Difference
Gasoline $2.06$2.091.5%
Tire Balancing $47.99$45.296.0%

Utilities

ItemArdsleyNational avg.Difference
All Electricity$262.56$170.8053.7%
Phone $29.01$28.262.7%
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, StatePopulationCost of Living IndexNational Avg.
Greenville, NY5731044%
Mount Ivy, NY6,92612828%
Spring Valley, NY32,00712929%
Hackensack, NJ43,90313737%
West Haverstraw, NY10,30813232%
Ardsley, NY4,51917676%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Emerald Lake Hills, CA4,519222122%
El Cerro Mission, NM4,51982-18%
Chester, MD4,52012020%
Falmouth, VA4,51811717%
Berlin, MD4,5201088%
Ardsley, NY4,51917676%
Source: The Ardsley, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.