Baldwin Harbor 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.
IndexBaldwin HarborNew YorkNational
Cost of living index163122100
IndexBaldwin HarborNew YorkNational
Goods & Services index151112100
Groceries index121103100
Health care index117104100
Housing index220149100
Transportation index138122100
Utilities index133102100
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 163, which is 34% higher than the New York average and 63% 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 51% higher than the rest of the country.

Did you know?

  • The cost of living in Baldwin Harbor is 34% higher than the New York average.
  • The cost of living in Baldwin Harbor is 63% higher than the national average.
  • The cost of housing in Baldwin Harbor is 120% 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 Baldwin Harbor, NY Cost of living To Other Cities

Salary Calculator

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The salary calculator is used in order to provide a comparison of your current salary in Baldwin Harbor, NY to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Baldwin Harbor, NY, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Baldwin Harbor, NY salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$101,650$8,471$2,372$3,050
Renters$53,261$4,438$1,243$1,598
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Baldwin Harbor, NY as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Baldwin Harbor, NY homeowners, is $101,650. This would allow for a maximum of $2,372 per month to be spent on housing costs. For renters, the median monthly income is $53,261 which would result in a maximum of $1,243 to be spent on rental costs.

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 assessing the complete cost of living in Baldwin Harbor, NY, the New York income tax and the New York sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The New York maximum surtax is 8.875%, and the New York sales tax is 4%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 4% to 8.82% in New York.

Goods & Services

ItemBaldwin HarborNational avg.Difference
Haircut $22.50$14.5954.2%
Beauty Salon $70.55$34.68103.4%
Toothpaste $4.04$2.4763.3%
Shampoo $1.14$1.0211.5%
Movie $13.83$9.8740.1%
Bowling $12.33$4.39180.8%

Groceries

ItemBaldwin HarborNational avg.Difference
Ground Beef $4.46$4.480.4%
Fried Chicken $1.04$1.4629.0%
Milk $1.92$2.3618.5%
Potatoes $4.37$3.0642.7%
Pizza $11.49$9.2424.3%
Beer $13.09$8.6351.6%

Health Care

ItemBaldwin HarborNational avg.Difference
Optometrist $103.33$99.783.6%
Doctor $122.50$105.0316.6%
Dentist $117.50$88.7032.5%
Ibuprofen $10.06$9.416.9%
Lipitor $302.11$298.501.2%

Housing

ItemBaldwin HarborNational avg.Difference
Home Price $389,000.00$175,700.00121.4%
Avg. Mortgage Payment $4,902.79$1,081.03353.5%
Apartment Rent $2,001.00$920.00117.5%

Transportation

ItemBaldwin HarborNational avg.Difference
Gasoline $2.64$2.0926.2%
Tire Balancing $78.00$45.2972.2%

Utilities

ItemBaldwin HarborNational avg.Difference
All Electricity$259.80$170.8052.1%
Phone $30.33$28.267.3%
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.
North Amityville, NY19,60813232%
Wyandanch, NY11,18713333%
Roosevelt, NY16,55414747%
Uniondale, NY24,78714747%
New Cassel, NY13,98813636%
Baldwin Harbor, NY7,79916363%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Skidaway Island, GA7,79814747%
Sheboygan Falls, WI7,79696-4%
Charlestown, IN7,80288-12%
Jersey Village, TX7,79599-1%
Wahpeton, ND7,80486-14%
Baldwin Harbor, NY7,79916363%
Source: The Baldwin Harbor, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.