Bath 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.
IndexBathNew YorkNational
Cost of living index84120100
IndexBathNew YorkNational
Goods & Services index100110100
Groceries index105105100
Health care index10099100
Housing index50149100
Transportation index109111100
Utilities index79102100
A general overview of the cost of living index for Bath, NY is displayed above. In Bath, NY, the overall cost of living index is 84, which is 30% lower than the New York average and 16% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Bath, NY, the city's goods and services are 9% lower than the New York average and equal to the U.S. average.

Did you know?

  • The cost of living in Bath is 30% lower than the New York average.
  • The cost of living in Bath is 16% lower than the national average.
  • The cost of housing in Bath is 50% lower 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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Salary Calculator

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Use the salary calculator to compare your current income in Bath, NY to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Bath, NY, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Bath, NY salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$51,939$4,328$1,212$1,558
Renters$26,193$2,183$611$786
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Bath, 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 Bath, NY homeowners, is $51,939. This would allow for a maximum of $1,212 per month to be spent on housing costs. For renters, the median monthly income is $26,193 which would result in a maximum of $611 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 Bath, 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

ItemBathNational avg.Difference
Haircut $15.67$15.560.7%
Beauty Salon $38.39$36.116.3%
Toothpaste $2.27$2.478.1%
Shampoo $1.15$0.9619.2%
Movie $12.75$10.1325.9%
Bowling $4.50$4.745.0%

Groceries

ItemBathNational avg.Difference
Ground Beef $4.19$3.985.2%
Fried Chicken $1.36$1.413.1%
Milk $2.09$2.061.1%
Potatoes $3.18$2.986.5%
Pizza $10.82$9.4714.3%
Beer $8.47$8.793.7%

Health Care

ItemBathNational avg.Difference
Optometrist $110.00$101.048.9%
Doctor $124.00$107.4415.4%
Dentist $79.67$90.4211.9%
Ibuprofen $9.80$9.285.6%
Lipitor $417.18$426.502.2%

Housing

ItemBathNational avg.Difference
Home Price $79,200.00$175,700.0054.9%
Avg. Mortgage Payment $1,237.17$1,133.239.2%
Apartment Rent $558.00$920.0039.3%

Transportation

ItemBathNational avg.Difference
Gasoline $2.20$1.9910.2%
Tire Balancing $48.49$45.766.0%

Utilities

ItemBathNational avg.Difference
All Electricity$140.56$163.8114.2%
Phone $19.99$28.3929.6%
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.
Coopers Plains, NY42984-16%
Avoca, NY95784-16%
Prattsburgh, NY80084-16%
Campbell, NY76385-15%
Canisteo, NY2,30485-15%
Bath, NY5,74784-16%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Barnhart, MO5,74696-4%
Oreland, PA5,74812222%
Sterling, AK5,74812525%
Fort Meade, FL5,74585-15%
Durham, CA5,74313232%
Bath, NY5,74784-16%
Source: The Bath, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.