Middletown 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.
IndexMiddletownNew YorkNational
Cost of living index112122100
IndexMiddletownNew YorkNational
Goods & Services index115112100
Groceries index106103100
Health care index107104100
Housing index116149100
Transportation index111122100
Utilities index98102100
Here we can see a simple outline of the cost of living in Middletown, NY. As you can see, with the average cost of living in Middletown, NY being 112, that puts it 8% lower than the average of New York and 12% 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 Middletown, NY, the price of goods and services are 3% higher than the average of New York as well as 15% higher than the nation's average.

Did you know?

  • The cost of living in Middletown is 8% lower than the New York average.
  • The cost of living in Middletown is 12% higher than the national average.
  • The cost of housing in Middletown is 16% 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

This is how much you would need to earn in
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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 Middletown, 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 Middletown, NY, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Middletown, 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)
One can approximate the cost of living and the housing affordability in Middletown, 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 Middletown, NY have a median income of $70,716. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,650 per month to avoid calamity and poverty. The renters in the city have an income of about $34,660, which would make their monthly maximum allowable rental costs $809.

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 you are determining the total cost of living in Middletown, NY you will want to make sure you consider both the New York sales tax and the New York income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in New York is 4%, with the highest surtax being 8.875%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in New York have a range from 4% to 8.82%.

Goods & Services

ItemMiddletownNational avg.Difference
Haircut $19.00$14.5930.2%
Beauty Salon $33.75$34.682.7%
Toothpaste $2.29$2.477.4%
Shampoo $1.00$1.022.2%
Movie $11.70$9.8718.6%
Bowling $4.55$4.393.6%


ItemMiddletownNational avg.Difference
Ground Beef $4.39$4.481.9%
Fried Chicken $1.99$1.4635.9%
Milk $2.77$2.3617.5%
Potatoes $3.39$3.0610.7%
Pizza $8.00$9.2413.4%
Beer $9.19$8.636.5%

Health Care

ItemMiddletownNational avg.Difference
Optometrist $91.25$99.788.5%
Doctor $90.00$105.0314.3%
Dentist $107.25$88.7020.9%
Ibuprofen $9.49$9.410.8%
Lipitor $341.01$298.5014.2%


ItemMiddletownNational avg.Difference
Home Price $200,100.00$175,700.0013.9%
Avg. Mortgage Payment $1,790.20$1,081.0365.6%
Apartment Rent $1,124.00$920.0022.2%


ItemMiddletownNational avg.Difference
Gasoline $2.17$2.093.7%
Tire Balancing $59.16$45.2930.6%


ItemMiddletownNational avg.Difference
All Electricity$159.41$170.806.7%
Phone $29.75$28.265.3%
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.
Monticello, NY6,78099-1%
Wurtsboro, NY1,0861055%
Unionville, NY6131055%
Port Jervis, NY8,7361066%
Matamoras, PA2,3371077%
Middletown, NY27,90411212%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
DeLand, FL27,87299-1%
Allen Park, MI27,86988-12%
Dodge City, KS27,95085-15%
Opelika, AL27,95695-5%
Lebanon, TN27,84797-3%
Middletown, NY27,90411212%
Source: The Middletown, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.