Cost Of Living in Cato, NY

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A+

6%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

40%

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	Cato	New York	National
Cost of living	94	121	100
Groceries	105	106	100
Health care	110	110	100
Housing	60	144	100
Transportation	110	113	100
Utilities	114	112	100
Lifestyle & Entertainment	108	111	100
Household Items	105	106	100
Education & Childcare	117	118	100

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Homes For Sale In Cato, NY

2050 State Route 370

Cato, NY

12300 Old State Rd

Cato, NY

2890 Jorolemon Rd

Weedsport, NY

43 White Anchor Cv

Jordan, NY

Cost Of Living Quick Facts

The cost of living in Cato is 22% lower than the New York average
The cost of living in Cato is 6% lower than the national average
Cato housing is 40% 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	$96,650	$8,054	$2,255	$2,900
Renters	$44,353	$3,696	$1,035	$1,331

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.
Savannah, NY	561	90	10.1%
Wolcott, NY	1,594	91	9.3%
Fulton, NY	11,649	93	7.0%
Hannibal, NY	709	94	5.9%
Port Byron, NY	1,066	94	5.8%
Cato, NY	502	94	5.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Walsh, CO	502	83	16.9%
Roopville, GA	502	100	0.4%
Bay View Gardens, IL	502	90	9.6%
Burnettsville, IN	502	84	16.1%
Cawood, KY	502	77	22.6%
Cato, NY	502	94	5.6%