Cost of Living in Caroga Lake, NY

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A+
6%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
45%
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 Caroga Lake New York National
Cost of living94121100
Groceries104106100
Health care111110100
Housing55144100
Transportation111113100
Utilities111112100
Lifestyle & Entertainment115111100
Household Items109106100
Education & Childcare124118100
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Homes For Sale In Caroga Lake, NY

property for sale

540 State Highway 10

Caroga Lake, NY
property for sale

183 Green Lake Rd

Caroga Lake, NY
property for sale

236 County Highway 111

Caroga Lake, NY
property for sale

232 Fulton Rd

Caroga Lake, NY

Cost Of Living Quick Facts

  • The cost of living in Caroga Lake is 22% lower than the New York average
  • The cost of living in Caroga Lake is 6% lower than the national average
  • Caroga Lake housing is 45% 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 Caroga Lake

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      Transportation index
      Utilities index
      Lifestyle index
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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$70,439$5,870$1,643$2,113
      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, NY7198910.6%
      Fort Plain, NY1,875918.9%
      St. Johnsville, NY1,915928.0%
      Dolgeville, NY2,576937.1%
      Gloversville, NY15,335946.3%
      Caroga Lake, NY419945.8%

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      Rutledge, AL4198020.4%
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      Good Hope, IL4198515.0%
      Arcadia, KS4197426.0%
      Caroga Lake, NY419945.8%
      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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