Gardnertown 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.
IndexGardnertownNew YorkNational
Cost of living index130122100
IndexGardnertownNew YorkNational
Goods & Services index126112100
Groceries index122103100
Health care index115104100
Housing index150149100
Transportation index100122100
Utilities index132102100
A general overview of the cost of living index for Gardnertown, NY is displayed above. In Gardnertown, NY, the overall cost of living index is 130, which is 7% higher than the New York average and 30% higher 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 Gardnertown, NY, the city's goods and services are 12% higher than the New York average and 26% higher than the U.S. average.

Did you know?

  • The cost of living in Gardnertown is 7% higher than the New York average.
  • The cost of living in Gardnertown is 30% higher than the national average.
  • The cost of housing in Gardnertown is 50% 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.

Find Real Estate Listings In Gardnertown


New Real Estate Listings In Gardnertown

Compare Gardnertown, NY Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Gardnertown, NY would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Gardnertown, NY, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Gardnertown, NY salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Gardnertown, NY as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Gardnertown, NY homeowners, the median income is $85,893. This indicates that a monthly maximum of $2,004 should be spent by homeowners on all housing related costs. Renters have a median income of $60,343. This indicates that renters should have a maximum of $1,408 used for their rent related monthly 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 considering the overall cost of living expenses in Gardnertown, NY, it's important to take into account the sales tax for New York, as well as the rate for income tax in New York. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for New York is 8.875%, and the sales tax in the state of New York is 4%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in New York starts from 4% and goes up to 8.82%.

Goods & Services

ItemGardnertownNational 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%


ItemGardnertownNational 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

ItemGardnertownNational 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%


ItemGardnertownNational avg.Difference
Home Price $247,500.00$175,700.0040.9%
Avg. Mortgage Payment $2,127.00$1,081.0396.8%
Apartment Rent $1,585.00$920.0072.3%


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


ItemGardnertownNational 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.
Mountain Lodge Park, NY1,98311616%
Newburgh, NY28,61411616%
Pine Bush, NY1,56411717%
Maybrook, NY3,02211717%
Wappingers Falls, NY5,37711919%
Gardnertown, NY4,49813030%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Penitas, TX4,49870-30%
Hartwell, GA4,49984-16%
Lamar, MO4,49982-18%
Wahoo, NE4,50090-10%
Searingtown, NY4,495218118%
Gardnertown, NY4,49813030%
Source: The Gardnertown, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.