Commack 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.
IndexCommackNew YorkNational
Cost of living index156122100
IndexCommackNew YorkNational
Goods & Services index126112100
Groceries index122103100
Health care index115104100
Housing index236149100
Transportation index100122100
Utilities index132102100
An overview of the general cost of living index for Commack, NY is displayed above for your reference. Residents in Commack, NY enjoy a cost of living index of 156. This index is 28% higher than the New York average, and 56% 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 Commack, 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.

Did you know?

  • The cost of living in Commack is 28% higher than the New York average.
  • The cost of living in Commack is 56% higher than the national average.
  • The cost of housing in Commack is 136% 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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Salary Calculator

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The salary calculator is used in order to provide a comparison of your current salary in Commack, 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 Commack, NY, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Commack, 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$121,642$10,137$2,838$3,650
Renters$48,967$4,081$1,142$1,469
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Commack, NY, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Commack, NY homeowners have a median income of $121,642. Using that number, you will come up with a maximum of $2,838 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $48,967, which means there is a maximum of $1,142 to be spent on the costs of renting a home or apartment.

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 Commack, 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

ItemCommackNational 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

ItemCommackNational 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

ItemCommackNational 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

ItemCommackNational avg.Difference
Home Price $466,200.00$175,700.00165.3%
Avg. Mortgage Payment $2,127.00$1,081.0396.8%
Apartment Rent $1,543.00$920.0067.7%

Transportation

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

Utilities

ItemCommackNational 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.
Central Islip, NY36,23313131%
Brentwood, NY59,43613131%
Baywood, NY7,68113232%
North Amityville, NY19,60813232%
North Bay Shore, NY19,99513232%
Commack, NY35,48715656%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hot Springs, AR35,48689-11%
Royal Palm Beach, FL35,4821077%
Manhattan Beach, CA35,534215115%
Dunedin, FL35,53896-4%
San Juan Capistrano, CA35,56215353%
Commack, NY35,48715656%
Source: The Commack, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.