An overview of the general cost of living index for Cold Spring Harbor, NY is displayed above for your reference. Residents in Cold Spring Harbor, NY enjoy a cost of living index of 200. This index is 64% higher than the New York average, and 100% higher than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Cold Spring Harbor, NY, the average cost of goods and services is 12% higher than it is in New York, and it is 26% higher than the national average.