West Haverstraw 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.
IndexWest HaverstrawNew YorkNational
Cost of living index124120100
IndexWest HaverstrawNew YorkNational
Goods & Services index114110100
Groceries index106105100
Health care index10099100
Housing index156149100
Transportation index107111100
Utilities index109102100
Displayed above is a general overview of the West Haverstraw, NY cost of living index. The overall cost of living index in West Haverstraw, NY is 124, which is 3% higher than the New York average and 24% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in West Haverstraw, NY are 3% higher than the New York average and 14% higher than the national average.

Did you know?

  • The cost of living in West Haverstraw is 3% higher than the New York average.
  • The cost of living in West Haverstraw is 24% higher than the national average.
  • The cost of housing in West Haverstraw is 56% 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 West Haverstraw, NY Cost of living To Other Cities

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Use the salary calculator to compare your current income in West Haverstraw, 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 West Haverstraw, NY, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the West Haverstraw, 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$89,722$7,477$2,093$2,692
Renters$46,719$3,893$1,090$1,402
The affordability of the housing market in West Haverstraw, NY as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among West Haverstraw, NY homeowners, the median income is $89,722. This indicates that a monthly maximum of $2,093 should be spent by homeowners on all housing related costs. Renters have a median income of $46,719. This indicates that renters should have a maximum of $1,090 used for their rent related monthly 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%
One thing to keep in mind when considering the cost of living in West Haverstraw, NY is the New York sales tax and New York income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The New York sales tax rate is 4% and the maximum surtax that can be charged is 8.875%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The New York income tax rates range from 4% to 8.82%.

Goods & Services

ItemWest HaverstrawNational avg.Difference
Haircut $21.07$15.5635.3%
Beauty Salon $37.27$36.113.2%
Toothpaste $2.00$2.4719.2%
Shampoo $0.99$0.962.6%
Movie $12.15$10.1320.0%
Bowling $4.22$4.7411.0%

Groceries

ItemWest HaverstrawNational avg.Difference
Ground Beef $3.70$3.987.2%
Fried Chicken $1.60$1.4113.9%
Milk $2.41$2.0616.8%
Potatoes $2.72$2.988.7%
Pizza $8.23$9.4713.1%
Beer $8.92$8.791.5%

Health Care

ItemWest HaverstrawNational avg.Difference
Optometrist $114.67$101.0413.5%
Doctor $97.00$107.449.7%
Dentist $100.58$90.4211.2%
Ibuprofen $8.64$9.286.9%
Lipitor $377.50$426.5011.5%

Housing

ItemWest HaverstrawNational avg.Difference
Home Price $279,100.00$175,700.0058.9%
Avg. Mortgage Payment $1,788.76$1,133.2357.8%
Apartment Rent $1,372.00$920.0049.1%

Transportation

ItemWest HaverstrawNational avg.Difference
Gasoline $1.95$1.992.3%
Tire Balancing $58.03$45.7626.8%

Utilities

ItemWest HaverstrawNational avg.Difference
All Electricity$168.80$163.813.0%
Phone $33.50$28.3918.0%
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.
Greenville, NY5731033%
Mountain Lodge Park, NY1,9831077%
Chester, NY3,94311414%
Highland Falls, NY3,85211515%
Harriman, NY2,77111616%
West Haverstraw, NY10,30812424%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Oak Hills, CA10,30812424%
Greencastle, IN10,30787-13%
Parsons, KS10,30778-22%
Cadillac, MI10,30681-19%
Broomall, PA10,31212828%
West Haverstraw, NY10,30812424%
Source: The West Haverstraw, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.