Dunkirk 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.
IndexDunkirkNew YorkNational
Cost of living index78122100
IndexDunkirkNew YorkNational
Goods & Services index85112100
Groceries index88103100
Health care index89104100
Housing index45149100
Transportation index117122100
Utilities index101102100
A general summary of the cost of living index in Dunkirk, NY is shown above. Compared to the state average of New York the cost of living index in Dunkirk, NY is 78, which is 36% lower than the average in New York and compared to the national average it is 22% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Dunkirk, NY goods and services come in at 24% lower than the average in New York and are 15% lower than compared to the nationwide average.

Did you know?

  • The cost of living in Dunkirk is 36% lower than the New York average.
  • The cost of living in Dunkirk is 22% lower than the national average.
  • The cost of housing in Dunkirk is 55% 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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Compare Dunkirk, NY Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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The salary calculator is meant to help you compare your salary in Dunkirk, NY to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Dunkirk, NY, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Dunkirk, NY salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$49,675$4,140$1,159$1,490
Renters$17,697$1,475$413$531
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Dunkirk, NY, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Dunkirk, NY has a median income of about $49,675 for people who own homes. Based on that number, a person should spend a maximum of $1,159 on expenses related to housing. Renters have a slightly different median income, which is $17,697. Based on this average, renters should spend no more than $413 on all of their rental costs if they want to maintain a non-impoverished standard of living.

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%
For those who live in Dunkirk, NY and want to know what the true cost of living is, they ought to look at both the New York income tax rate and the New York sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In New York, the sales tax is 4%, while the most you'll pay in surtax is 8.875%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in New York, the income tax rate ranges between 4% to 8.82%.

Goods & Services

ItemDunkirkNational avg.Difference
Haircut $14.78$14.591.3%
Beauty Salon $24.99$34.6827.9%
Toothpaste $1.49$2.4739.8%
Shampoo $0.87$1.0214.9%
Movie $10.62$9.877.6%
Bowling $2.90$4.3934.0%

Groceries

ItemDunkirkNational avg.Difference
Ground Beef $3.74$4.4816.5%
Fried Chicken $1.14$1.4622.1%
Milk $1.82$2.3622.8%
Potatoes $2.19$3.0628.5%
Pizza $8.00$9.2413.4%
Beer $7.73$8.6310.5%

Health Care

ItemDunkirkNational avg.Difference
Optometrist $55.25$99.7844.6%
Doctor $80.50$105.0323.4%
Dentist $78.80$88.7011.2%
Ibuprofen $7.98$9.4115.2%
Lipitor $335.79$298.5012.5%

Housing

ItemDunkirkNational avg.Difference
Home Price $62,600.00$175,700.0064.4%
Avg. Mortgage Payment $1,155.06$1,081.036.8%
Apartment Rent $603.00$920.0034.5%

Transportation

ItemDunkirkNational avg.Difference
Gasoline $2.74$2.0931.2%
Tire Balancing $35.11$45.2922.5%

Utilities

ItemDunkirkNational avg.Difference
All Electricity$177.83$170.804.1%
Phone $27.50$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.
Sinclairville, NY58778-22%
Brocton, NY1,55379-21%
South Dayton, NY81679-21%
Cherry Creek, NY48079-21%
Silver Creek, NY2,60780-20%
Dunkirk, NY12,38678-22%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Woodward, OK12,38988-12%
Calera, AL12,37694-6%
Luling, LA12,37597-3%
Okmulgee, OK12,39882-18%
Irondale, AL12,39991-9%
Dunkirk, NY12,38678-22%
Source: The Dunkirk, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.