The above illustration supplies generalized information for the Baldwin Harbor, NY cost of living index. Compared to other cities in New York and cities across the country, the cost of living index in Baldwin Harbor, NY is 162, which is 35% higher than the New York average and 62% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Baldwin Harbor, NY are 34% higher than the average for New York and 48% higher than the rest of the country.