Cost Of Living in Ames, NY

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A+

5%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

43%

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	Ames	New York	National
Cost of living	95	121	100
Groceries	104	106	100
Health care	111	110	100
Housing	57	144	100
Transportation	111	113	100
Utilities	111	112	100
Lifestyle & Entertainment	115	111	100
Household Items	109	106	100
Education & Childcare	124	118	100

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Homes For Sale In Ames, NY

7402 State Highway 10

Canajoharie, NY

631 Latimer Hill Rd

Canajoharie, NY

Cost Of Living Quick Facts

The cost of living in Ames is 21% lower than the New York average
The cost of living in Ames is 5% lower than the national average
Ames housing is 43% 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

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$137,662	$11,472	$3,212	$4,130
Renters	$0	$0	$0	$0

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.
Nelliston, NY	719	89	10.6%
Fort Plain, NY	1,875	91	8.9%
Little Falls, NY	4,824	91	8.6%
St. Johnsville, NY	1,915	92	8.0%
Gloversville, NY	15,335	94	6.3%
Ames, NY	183	95	5.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Point Lay, AK	183	101	0.9%
Iuka, KS	183	85	15.1%
Watson, MN	183	82	17.5%
Knox City, MO	183	76	23.8%
Reeds, MO	183	80	19.7%
Ames, NY	183	95	5.2%