Shirley 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.
IndexShirleyNew YorkNational
Cost of living index135122100
IndexShirleyNew YorkNational
Goods & Services index126112100
Groceries index122103100
Health care index115104100
Housing index165149100
Transportation index100122100
Utilities index132102100
A general summary of the cost of living index in Shirley, NY is shown above. Compared to the state average of New York the cost of living index in Shirley, NY is 135, which is 11% higher than the average in New York and compared to the national average it is 35% higher 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 Shirley, NY goods and services come in at 12% higher than the average in New York and are 26% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Shirley is 11% higher than the New York average.
  • The cost of living in Shirley is 35% higher than the national average.
  • The cost of housing in Shirley is 65% 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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Use the salary calculator to compare your current income in Shirley, 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 Shirley, NY, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Shirley, 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$89,437$7,453$2,087$2,683
Renters$48,347$4,029$1,128$1,451
One can approximate the cost of living and the housing affordability in Shirley, 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 Shirley, NY have a median income of $89,437. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,087 per month to avoid calamity and poverty. The renters in the city have an income of about $48,347, which would make their monthly maximum allowable rental costs $1,128.

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 assessing the complete cost of living in Shirley, NY, the New York income tax and the New York sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The New York maximum surtax is 8.875%, and the New York sales tax is 4%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 4% to 8.82% in New York.

Goods & Services

ItemShirleyNational 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

ItemShirleyNational 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

ItemShirleyNational 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

ItemShirleyNational avg.Difference
Home Price $255,000.00$175,700.0045.1%
Avg. Mortgage Payment $2,127.00$1,081.0396.8%
Apartment Rent $1,952.00$920.00112.2%

Transportation

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

Utilities

ItemShirleyNational 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%
Northville, NY1,112100-0%
Mastic Beach, NY14,88012525%
Calverton, NY6,37212626%
Shirley, NY25,93113535%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
South Pasadena, CA25,91418989%
Batavia, IL25,90511313%
Xenia, OH25,90390-10%
Lemon Grove, CA25,96312525%
Parkland, FL25,89514747%
Shirley, NY25,93113535%
Source: The Shirley, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.