Middle Island 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.
IndexMiddle IslandNew YorkNational
Cost of living index132122100
IndexMiddle IslandNew YorkNational
Goods & Services index126112100
Groceries index122103100
Health care index115104100
Housing index156149100
Transportation index100122100
Utilities index132102100
Here we can see a simple outline of the cost of living in Middle Island, NY. As you can see, with the average cost of living in Middle Island, NY being 132, that puts it 8% higher than the average of New York and 32% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Middle Island, NY, the price of goods and services are 12% higher than the average of New York as well as 26% higher than the nation's average.

Did you know?

  • The cost of living in Middle Island is 8% higher than the New York average.
  • The cost of living in Middle Island is 32% higher than the national average.
  • The cost of housing in Middle Island is 56% 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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Compare Middle Island, NY Cost of living To Other Cities

Salary Calculator

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Price difference in compared to
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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 Middle Island, 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 Middle Island, NY, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Middle Island, 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)
Owners$74,692$6,224$1,743$2,241
Renters$36,357$3,030$848$1,091
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 Middle Island, 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. Middle Island, NY has a median income of about $74,692 for people who own homes. Based on that number, a person should spend a maximum of $1,743 on expenses related to housing. Renters have a slightly different median income, which is $36,357. Based on this average, renters should spend no more than $848 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%
When considering the overall cost of living expenses in Middle Island, 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

ItemMiddle IslandNational 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

ItemMiddle IslandNational 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

ItemMiddle IslandNational 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

ItemMiddle IslandNational avg.Difference
Home Price $272,100.00$175,700.0054.9%
Avg. Mortgage Payment $2,127.00$1,081.0396.8%
Apartment Rent $1,457.00$920.0058.4%

Transportation

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

Utilities

ItemMiddle IslandNational 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.
Riverside, NY6311022%
Riverside CDP, NY4,9951077%
Mastic Beach, NY14,88012525%
Calverton, NY6,37212626%
Ridge, NY12,92112828%
Middle Island, NY10,03013232%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hope, AR10,03385-15%
Coffeyville, KS10,03477-23%
Cedar Hills, UT10,02512222%
Middlesborough, KY10,03581-19%
Elkhorn, WI10,02097-3%
Middle Island, NY10,03013232%
Source: The Middle Island, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.