Cost of Living in Cambridge, NY

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A-
1%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
16%
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 Cambridge New York National
Cost of living101121100
Groceries105106100
Health care108110100
Housing84144100
Transportation111113100
Utilities114112100
Lifestyle & Entertainment108111100
Household Items103106100
Education & Childcare112118100
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Homes For Sale In Cambridge, NY

property for sale

12 County Route 71

Cambridge, NY
property for sale

77 Spring St

Cambridge, NY
property for sale

93 W Main St

Cambridge, NY
property for sale

29 Washington St

Cambridge, NY

Cost Of Living Quick Facts

  • The cost of living in Cambridge is 16% lower than the New York average
  • The cost of living in Cambridge is 1% higher than the national average
  • Cambridge housing is 16% 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 Cambridge

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Compare Cambridge, NY Cost of Living

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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$97,809$8,151$2,282$2,935
      Renters$36,514$3,043$852$1,096

      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.
      Argyle, NY417964.0%
      Hoosick Falls, NY3,491982.2%
      Salem, NY953991.2%
      Victory, NY7351021.9%
      Valley Falls, NY4821022.5%
      Cambridge, NY2,3331010.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Victoria, VA2,3339010.3%
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      Erath, LA2,3328812.4%
      Fraser Valley H, BC2,332n/a 
      Cambridge, NY2,3331010.9%
      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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