Cost of Living in Ardsley, NY

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F
94%
Overall NAT. AVG.
20%
Goods & Services NAT. AVG.
274%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Ardsley New York National
Cost of living194118100
Goods & Services120108100
Groceries108102100
Health care130111100
Housing374144100
Transportation100107100
Utilities129101100
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Homes For Sale In Ardsley, NY

property for sale

9 Shady Rd

Ardsley, NY
property for sale

32 Bramblebrook Rd

Ardsley, NY
property for sale

0 Ridge Rd

Ardsley, NY
property for sale

100 Euclid Ave

Ardsley, NY

Cost Of Living Quick Facts

  • The cost of living in Ardsley is 65% higher than the New York average
  • The cost of living in Ardsley is 94% higher than the national average
  • Ardsley housing is 274% higher 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 Ardsley

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Compare Ardsley, NY Cost of Living

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      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$310,378$25,865$7,242$9,312
      Renters$0$0$0$0
      A good way to judge both the affordability of the housing and the cost of living in Ardsley is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Ardsley has a median income of about $310,378 for people who own homes. Based on that number, a maximum of $7,242 should be spent on expenses related to housing. Renters have a slightly different median income, which is $0. Based on this average, renters should spend no more than $0 on all rental costs if they want to maintain a non-impoverished standard of living.

      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%

      Goods & Services

      Item Ardsley National avg. Difference
      Haircut $35.58$27.6228.8%
      Beauty Salon $77.98$51.1152.6%
      Toothpaste $3.98$4.092.8%
      Shampoo $1.75$1.5413.5%
      Movie $18.17$12.8841.1%
      Yoga $32.45$19.6665.0%

      Groceries

      Item Ardsley National avg. Difference
      Ground Beef $7.15$7.707.2%
      Fried Chicken $1.54$1.667.4%
      Milk $5.20$4.739.9%
      Potatoes $5.64$5.267.3%
      Pizza $13.65$12.767.0%
      Beer $10.84$10.552.8%

      Health Care

      Item Ardsley National avg. Difference
      Optometrist $173.75$140.0624.1%
      Doctor $292.23$153.8290.0%
      Dentist $142.76$123.1515.9%
      Ibuprofen $12.11$11.733.2%
      Lipitor $21.15$23.6110.4%

      Housing

      Item Ardsley National avg. Difference
      Home Price $1,227,880.00$326,622.00275.9%
      Avg. Mortgage Payment $5,693.50$2,480.25129.6%
      Apartment Rent $5,316.00$1,444.00268.1%

      Transportation

      Item Ardsley National avg. Difference
      Gasoline $3.03$3.060.8%
      Tire Balancing $65.87$65.211.0%

      Utilities

      Item Ardsley National avg. Difference
      All Electricity $319.28$220.1245.0%
      Phone $201.32$195.712.9%
      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 Population Cost of Living Index National Avg.
      Greenville CDP (Greene County), NY6161098.7%
      Mount Ivy, NY7,67512423.7%
      Haverstraw, NY12,43112525.0%
      West Haverstraw, NY10,53912525.0%
      Spring Valley, NY33,20212928.8%
      Ardsley, NY4,70019493.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Beattystown, NJ4,70012221.9%
      Mount Ephraim, NJ4,7001032.8%
      Longbranch, WA4,70011716.6%
      Palacios, TX4,6998416.5%
      Williamstown, MA4,70112726.6%
      Ardsley, NY4,70019493.7%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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