Massena 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.
IndexMassenaNew YorkNational
Cost of living index95120100
IndexMassenaNew YorkNational
Goods & Services index110110100
Groceries index108105100
Health care index10599100
Housing index55149100
Transportation index117111100
Utilities index122102100
An overview of the general cost of living index for Massena, NY is displayed above for your reference. Residents in Massena, NY enjoy a cost of living index of 95. This index is 21% lower than the New York average, and 5% lower 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 Massena, NY, the average cost of goods and services is equal to it is in New York, and it is 10% higher than the national average.

Did you know?

  • The cost of living in Massena is 21% lower than the New York average.
  • The cost of living in Massena is 5% lower than the national average.
  • The cost of housing in Massena is 45% 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 Massena, 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 Massena, NY, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Massena, 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)
One can approximate the cost of living and the housing affordability in Massena, NY by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Massena, NY have a median income of $55,044. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,284 per month to avoid calamity and poverty. The renters in the city have an income of about $22,051, which would make their monthly maximum allowable rental costs $514.

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 Massena, 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

ItemMassenaNational avg.Difference
Haircut $23.00$15.5647.8%
Beauty Salon $49.33$36.1136.6%
Toothpaste $2.16$2.4712.8%
Shampoo $1.05$0.969.2%
Movie $9.88$10.132.4%
Bowling $3.75$4.7420.8%


ItemMassenaNational avg.Difference
Ground Beef $3.95$3.980.9%
Fried Chicken $1.56$1.4110.9%
Milk $2.55$2.0623.4%
Potatoes $3.02$2.981.4%
Pizza $11.99$9.4726.6%
Beer $9.10$8.793.5%

Health Care

ItemMassenaNational avg.Difference
Optometrist $128.10$101.0426.8%
Doctor $113.84$107.446.0%
Dentist $94.00$90.424.0%
Ibuprofen $9.22$9.280.6%
Lipitor $420.45$426.501.4%


ItemMassenaNational avg.Difference
Home Price $82,200.00$175,700.0053.2%
Avg. Mortgage Payment $1,741.19$1,133.2353.6%
Apartment Rent $685.00$920.0025.5%


ItemMassenaNational avg.Difference
Gasoline $2.19$1.999.9%
Tire Balancing $60.64$45.7632.5%


ItemMassenaNational avg.Difference
All Electricity$228.30$163.8139.4%
Phone $28.00$28.391.4%
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.
Winthrop, NY30188-12%
Brasher Falls, NY44993-7%
Madrid, NY71593-7%
Norfolk, NY1,41794-6%
Norwood, NY1,49894-6%
Massena, NY10,93795-5%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
St. Albans, WV10,93987-13%
Branson, MO10,94293-7%
Dent, OH10,93099-1%
Fort Madison, IA10,92978-22%
Gulf Gate Estates, FL10,9461033%
Massena, NY10,93795-5%
Source: The Massena, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.