Cost of Living in Chatham, NY

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C-
13%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
14%
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 Chatham New York National
Cost of living113121100
Groceries108106100
Health care115110100
Housing114144100
Transportation114113100
Utilities112112100
Lifestyle & Entertainment110111100
Household Items109106100
Education & Childcare122118100
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Homes For Sale In Chatham, NY

property for sale

158 Hudson Ave

Chatham, NY
property for sale

45 Locust St

Chatham, NY
property for sale

22 Spring St

Chatham, NY
property for sale

12 Woodbridge Ave

Chatham, NY

Cost Of Living Quick Facts

  • The cost of living in Chatham is 7% lower than the New York average
  • The cost of living in Chatham is 13% higher than the national average
  • Chatham housing is 14% 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 Chatham

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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$134,742$11,229$3,144$4,043
      Renters$61,199$5,100$1,428$1,836

      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.
      Lorenz Park, NY2,0581033.4%
      Nassau, NY1,1541044.0%
      Philmont, NY1,0251055.0%
      East Nassau, NY4691055.3%
      Leeds, NY4071055.2%
      Chatham, NY1,72811312.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Grant Park, IL1,728982.3%
      North Pekin, IL1,7289010.4%
      Pinebluff, NC1,728973.1%
      Sandy Valley, NV1,7281043.8%
      Webster, SD1,7288514.7%
      Chatham, NY1,72811312.7%
      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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