Seaford 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.
IndexSeafordNew YorkNational
Cost of living index154122100
IndexSeafordNew YorkNational
Goods & Services index126112100
Groceries index122103100
Health care index115104100
Housing index229149100
Transportation index100122100
Utilities index132102100
A general overview of the cost of living index for Seaford, NY is displayed above. In Seaford, NY, the overall cost of living index is 154, which is 26% higher than the New York average and 54% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Seaford, NY, the city's goods and services are 12% higher than the New York average and 26% higher than the U.S. average.

Did you know?

  • The cost of living in Seaford is 26% higher than the New York average.
  • The cost of living in Seaford is 54% higher than the national average.
  • The cost of housing in Seaford is 129% 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 Seaford, NY Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Seaford, NY to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Seaford, NY, then you would need to earn more income in order to maintain the same standard of living. To use the Seaford, NY salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$110,662$9,222$2,582$3,320
Renters$69,625$5,802$1,624$2,089
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Seaford, 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 Seaford, NY homeowners, is $110,662. This would allow for a maximum of $2,582 per month to be spent on housing costs. For renters, the median monthly income is $69,625 which would result in a maximum of $1,624 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%
When you are determining the total cost of living in Seaford, 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

ItemSeafordNational 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

ItemSeafordNational 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

ItemSeafordNational 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

ItemSeafordNational avg.Difference
Home Price $431,800.00$175,700.00145.8%
Avg. Mortgage Payment $2,127.00$1,081.0396.8%
Apartment Rent $1,748.00$920.0090.0%

Transportation

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

Utilities

ItemSeafordNational 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.
Brentwood, NY59,43613131%
Baywood, NY7,68113232%
North Amityville, NY19,60813232%
North Bay Shore, NY19,99513232%
Wyandanch, NY11,18713333%
Seaford, NY15,40515454%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Jamestown, ND15,40787-13%
Humble, TX15,40287-13%
Glenmont, MD15,41212929%
Gloversville, NY15,39593-7%
Portland, TX15,42095-5%
Seaford, NY15,40515454%
Source: The Seaford, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.