Rochester 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.
IndexRochesterNew YorkNational
Cost of living index89122100
IndexRochesterNew YorkNational
Goods & Services index103112100
Groceries index98103100
Health care index99104100
Housing index55149100
Transportation index126122100
Utilities index94102100
A general summary of the cost of living index in Rochester, NY is shown above. Compared to the state average of New York the cost of living index in Rochester, NY is 89, which is 27% lower than the average in New York and compared to the national average it is 11% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Rochester, NY goods and services come in at 8% lower than the average in New York and are 3% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Rochester is 27% lower than the New York average.
  • The cost of living in Rochester is 11% lower than the national average.
  • The cost of housing in Rochester 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 Rochester, 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 Rochester, NY, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Rochester, 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)
Owners$52,220$4,352$1,218$1,567
Renters$20,991$1,749$490$630
If you want to find a good determining factor for the cost of living and the general affordability of housing in Rochester, NY, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Rochester, NY, the median monthly income is $52,220 for those who own their own homes. Under the standard rule, that income level would allow for $1,218 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $20,991, per the median income in the area. That would allow for renters to spend up to $490 on monthly rental expenses.

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 Rochester, 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

ItemRochesterNational avg.Difference
Haircut $12.67$14.5913.2%
Beauty Salon $33.75$34.682.7%
Toothpaste $2.37$2.474.2%
Shampoo $1.00$1.022.2%
Movie $9.92$9.870.5%
Bowling $4.92$4.3912.0%

Groceries

ItemRochesterNational avg.Difference
Ground Beef $3.86$4.4813.8%
Fried Chicken $1.99$1.4635.9%
Milk $2.28$2.363.3%
Potatoes $2.99$3.062.3%
Pizza $11.00$9.2419.0%
Beer $8.09$8.636.3%

Health Care

ItemRochesterNational avg.Difference
Optometrist $114.11$99.7814.4%
Doctor $100.22$105.034.6%
Dentist $87.06$88.701.9%
Ibuprofen $9.24$9.411.8%
Lipitor $303.30$298.501.6%

Housing

ItemRochesterNational avg.Difference
Home Price $76,600.00$175,700.0056.4%
Avg. Mortgage Payment $949.46$1,081.0312.2%
Apartment Rent $764.00$920.0017.0%

Transportation

ItemRochesterNational avg.Difference
Gasoline $2.72$2.0930.0%
Tire Balancing $52.74$45.2916.5%

Utilities

ItemRochesterNational avg.Difference
All Electricity$153.03$170.8010.4%
Phone $27.99$28.260.9%
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.
East Rochester, NY6,68792-8%
Gates, NY5,04993-7%
North Gates, NY9,95693-7%
Greece, NY14,48294-6%
Caledonia, NY2,21999-1%
Rochester, NY210,46189-11%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Spokane, WA210,14292-8%
Richmond, VA211,0631011%
Boise, ID211,65595-5%
Birmingham, AL211,70585-15%
San Bernardino, CA213,0441044%
Rochester, NY210,46189-11%
Source: The Rochester, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.