Speculator 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.
IndexSpeculatorNew YorkNational
Cost of living index104122100
IndexSpeculatorNew YorkNational
Goods & Services index118112100
Groceries index99103100
Health care index101104100
Housing index91149100
Transportation index115122100
Utilities index96102100

Did you know?

  • The cost of living in Speculator is 14% lower than the New York average.
  • The cost of living in Speculator is 4% higher than the national average.
  • The cost of housing in Speculator is 9% 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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This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$60,000$5,000$1,400$1,800
Renters$23,750$1,979$554$713

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%

Goods & Services

ItemSpeculatorNational 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%

Groceries

ItemSpeculatorNational 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

ItemSpeculatorNational 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%

Housing

ItemSpeculatorNational avg.Difference
Home Price $160,400.00$175,700.008.7%
Avg. Mortgage Payment $1,315.97$1,081.0321.7%
Apartment Rent $0.00$920.00100.0%

Transportation

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

Utilities

ItemSpeculatorNational 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.
Speculator, NY3601044%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Brookville, KS36083-17%
Marietta, MS36074-26%
Chamois, MO36076-24%
Grier City, PA36092-8%
Berkey, OH36099-1%
Speculator, NY3601044%
Source: The Speculator, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.