Cost of Living in Andover, NY

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A+
10%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
55%
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 Andover New York National
Cost of living90121100
Groceries106106100
Health care107110100
Housing45144100
Transportation114113100
Utilities110112100
Lifestyle & Entertainment109111100
Household Items106106100
Education & Childcare113118100
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Homes For Sale In Andover, NY

property for sale

3458 Ray Hill Rd

Andover, NY
property for sale

19 Baker St

Andover, NY
property for sale

Lot 7 Mc Andrews Rd

Alfred, NY
property for sale

8 Water

Andover, NY

Cost Of Living Quick Facts

  • The cost of living in Andover is 25% lower than the New York average
  • The cost of living in Andover is 10% lower than the national average
  • Andover housing is 55% 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 Andover

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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$97,474$8,123$2,274$2,925
      Renters$56,219$4,685$1,312$1,687

      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.
      Hornell, NY8,5039010.1%
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      Stannards, NY646919.2%
      Wellsville, NY4,554919.2%
      Canisteo, NY2,400909.5%
      Andover, NY8809010.1%

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      Dyer, AR8808812.2%
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      Taconic Shores, NY88011312.8%
      Tetherow, OR880262162.2%
      Andover, NY8809010.1%
      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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