Cost Of Living In Yaphank, NY

Yaphank 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.
Index	Yaphank	New York	National
Cost of living index	136	120	100
Index	Yaphank	New York	National
Goods & Services index	122	110	100
Groceries index	130	105	100
Health care index	117	99	100
Housing index	174	149	100
Transportation index	107	111	100
Utilities index	110	102	100

Displayed above is a general overview of the Yaphank, NY cost of living index. The overall cost of living index in Yaphank, NY is 136, which is 13% higher than the New York average and 36% 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 Yaphank, NY are 11% higher than the New York average and 22% higher than the national average.

Did you know?

The cost of living in Yaphank is 13% higher than the New York average.
The cost of living in Yaphank is 36% higher than the national average.
The cost of housing in Yaphank is 74% 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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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Use the salary calculator to compare your current salary in Yaphank, 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 Yaphank, NY, then you would need to earn more income in order to maintain the same standard of living. To use the Yaphank, 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 Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$100,048	$8,337	$2,334	$3,002
Renters	$53,182	$4,432	$1,241	$1,596

One can approximate the cost of living and the housing affordability in Yaphank, 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 Yaphank, NY have a median income of $100,048. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,334 per month to avoid calamity and poverty. The renters in the city have an income of about $53,182, which would make their monthly maximum allowable rental costs $1,241.

New York Sales Tax

State	General Sales Tax	With Max Surtax
New York	4%	8.875%

New York Income Tax

State	Income Tax (Low)	Income Tax (High)
New York	4%	8.82%

One thing to keep in mind when considering the cost of living in Yaphank, 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

Item	Yaphank	National avg.	Difference
Haircut	$19.74	$15.56	26.8%
Beauty Salon	$55.02	$36.11	52.4%
Toothpaste	$4.07	$2.47	64.6%
Shampoo	$1.17	$0.96	20.9%
Movie	$11.67	$10.13	15.2%
Bowling	$7.30	$4.74	54.2%

Groceries

Item	Yaphank	National avg.	Difference
Ground Beef	$4.79	$3.98	20.2%
Fried Chicken	$1.59	$1.41	13.2%
Milk	$3.06	$2.06	48.4%
Potatoes	$5.30	$2.98	77.8%
Pizza	$9.95	$9.47	5.0%
Beer	$9.99	$8.79	13.6%

Health Care

Item	Yaphank	National avg.	Difference
Optometrist	$119.98	$101.04	18.7%
Doctor	$129.20	$107.44	20.2%
Dentist	$113.88	$90.42	26.0%
Ibuprofen	$9.82	$9.28	5.9%
Lipitor	$422.35	$426.50	1.0%

Housing

Item	Yaphank	National avg.	Difference
Home Price	$298,700.00	$175,700.00	70.0%
Avg. Mortgage Payment	$1,491.42	$1,133.23	31.6%
Apartment Rent	$1,688.00	$920.00	83.5%

Transportation

Item	Yaphank	National avg.	Difference
Gasoline	$2.12	$1.99	6.5%
Tire Balancing	$49.98	$45.76	9.2%

Utilities

Item	Yaphank	National avg.	Difference
All Electricity	$212.84	$163.81	29.9%
Phone	$23.95	$28.39	15.6%

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, State	Population	Cost of Living Index	National Avg.
Riverside, NY	631	100	0%
Riverside CDP, NY	4,995	105	5%
Mastic Beach, NY	14,880	123	23%
Calverton, NY	6,372	124	24%
Ridge, NY	12,921	126	26%
Yaphank, NY	5,906	136	36%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
South Gate Ridge, FL	5,906	102	2%
Charleston, MO	5,905	79	-21%
Plymouth, PA	5,905	88	-12%
Fowler, CA	5,908	113	13%
Eldridge, IA	5,908	98	-2%
Yaphank, NY	5,906	136	36%

Source: The Yaphank, NY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.

Yaphank, NY Cost of Living