Cost of Living in Adams, NY

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B+
3%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
14%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Adams New York National
Cost of living103121100
Groceries105106100
Health care108110100
Housing86144100
Transportation113113100
Utilities111112100
Lifestyle & Entertainment107111100
Household Items107106100
Education & Childcare118118100
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Homes For Sale In Adams, NY

property for sale

10411 Bayshore Dr

Adams, NY
property for sale

10401 Bayshore DR

Henderson, NY
property for sale

54 E Church St

Adams, NY
property for sale

11141 Ayles Rd

Adams, NY

Cost Of Living Quick Facts

  • The cost of living in Adams is 15% lower than the New York average
  • The cost of living in Adams is 3% higher than the national average
  • Adams housing is 14% lower than the national average
  • New York general sales tax is 22% lower than the national average
  • New York state income tax is 54% higher than the national average

Most Affordable Places to Live in and Around Adams

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$120,648$10,054$2,815$3,620
      Renters$47,069$3,922$1,098$1,412

      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% 10.9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Pierrepont Manor, NY4288812.3%
      Felts Mills, NY4618911.0%
      Lorraine, NY57928.3%
      Sandy Creek, NY585945.9%
      Dexter, NY812955.4%
      Adams, NY1,8941032.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lewisport, KY1,8948218.4%
      Sussex, NJ1,89411313.4%
      North Frontenac, ON1,894n/a 
      Norfolk-Treherne, MB1,894n/a 
      Behchokò, NT1,894n/a 
      Adams, NY1,8941032.6%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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