Oneonta 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.
IndexOneontaNew YorkNational
Cost of living index102122100
IndexOneontaNew YorkNational
Goods & Services index118112100
Groceries index99103100
Health care index101104100
Housing index83149100
Transportation index115122100
Utilities index96102100
The above illustration supplies generalized information for the Oneonta, NY cost of living index. Compared to other cities in New York and cities across the country, the cost of living index in Oneonta, NY is 102, which is 16% lower than the New York average and 2% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Oneonta, NY are 5% higher than the average for New York and 18% higher than the rest of the country.

Did you know?

  • The cost of living in Oneonta is 16% lower than the New York average.
  • The cost of living in Oneonta is 2% higher than the national average.
  • The cost of housing in Oneonta is 17% 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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Health care index
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Using the salary calculator lets you compare the salary you earn in Oneonta, NY to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Oneonta, NY, you have to earn a higher income in order to still have the same standard of living. To operate the Oneonta, NY salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Oneonta, NY as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Oneonta, NY homeowners, is $71,897. This would allow for a maximum of $1,677 per month to be spent on housing costs. For renters, the median monthly income is $17,450 which would result in a maximum of $407 to be spent on rental 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%
For those who live in Oneonta, 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

ItemOneontaNational avg.Difference
Haircut $15.40$14.595.5%
Beauty Salon $38.00$34.689.6%
Toothpaste $1.73$2.4730.1%
Shampoo $0.99$1.023.1%
Movie $11.35$9.8715.0%
Bowling $3.98$4.399.4%


ItemOneontaNational avg.Difference
Ground Beef $4.23$4.485.5%
Fried Chicken $1.41$1.463.7%
Milk $2.35$2.360.3%
Potatoes $3.79$3.0623.8%
Pizza $8.49$9.248.1%
Beer $9.69$8.6312.2%

Health Care

ItemOneontaNational avg.Difference
Optometrist $92.40$99.787.4%
Doctor $103.80$105.031.2%
Dentist $96.20$88.708.5%
Ibuprofen $9.23$9.411.9%
Lipitor $282.61$298.505.3%


ItemOneontaNational avg.Difference
Home Price $139,700.00$175,700.0020.5%
Avg. Mortgage Payment $1,315.97$1,081.0321.7%
Apartment Rent $831.00$920.009.7%


ItemOneontaNational avg.Difference
Gasoline $2.48$2.0918.4%
Tire Balancing $47.98$45.296.0%


ItemOneontaNational avg.Difference
All Electricity$174.50$170.802.2%
Phone $24.95$28.2611.7%
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.
Davenport Center, NY40591-9%
New Berlin, NY1,24087-13%
Bloomville, NY20593-7%
Unadilla, NY97590-10%
Milford, NY42096-4%
Oneonta, NY13,9061022%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hewitt, TX13,90593-7%
Chaparral, NM13,90583-17%
Bradley Gardens, NJ13,90214242%
Swampscott, MA13,91215151%
Moberly, MO13,89884-16%
Oneonta, NY13,9061022%
Source: The Oneonta, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.