A+
12%
Overall NAT. AVG.
6%
Goods & Services NAT. AVG.
28%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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 Cheektowaga New York National
Cost of living88117100
Goods & Services94108100
Groceries97102100
Health care101103100
Housing72145100
Transportation95105100
Utilities94100100

An Overview of Cost of Living in Cheektowaga, NY

Are you thinking about relocating, but curious about the potential cost of living in Cheektowaga? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Cheektowaga stands at 88, making it 12% lower than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Is Cheektowaga Affordable?

Wondering if Cheektowaga is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Cheektowaga, for example, the median home price is 35.9% lower than what folks pay nationally, and monthly rent is 9.2% lower than the usual rates. Plus, income levels matter too, with Cheektowaga boasting a median household income of $55,459, which is 0.2% higher than the national average.

What Factors can Influence the Cost of Living in Cheektowaga?

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Cheektowaga, is 27.9% lower than the national average.

Transportation: In situations where public transportation is limited or nonexistent, local residents may be required to own and maintain their own vehicles, contributing to an elevated cost of living. Monthly expenditures may encompass fuel costs, insurance premiums, routine vehicle upkeep and possibly lease or financing payments. In Cheektowaga, the transportation index is 5.4% lower than the national average.

Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday goods and services like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Cheektowaga starts at 4% and the income tax rates start at 4%.

Where is the Data From?

The Cheektowaga cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Cheektowaga is 25% lower than the New York average
  • The cost of living in Cheektowaga is 12% lower than the national average
  • Cheektowaga housing is 28% 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 Cheektowaga

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Compare Cheektowaga, NY Cost of Living

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      Salary Calculator

      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$65,049$5,421$1,518$1,952
      Renters$37,400$3,117$873$1,122
      A good way to judge both the affordability of the housing and the cost of living in Cheektowaga 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. Cheektowaga has a median income of about $65,049 for people who own homes. Based on that number, a maximum of $1,518 should be spent on expenses related to housing. Renters have a slightly different median income, which is $37,400. Based on this average, renters should spend no more than $873 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 Cheektowaga National avg. Difference
      Haircut $21.65$24.2610.8%
      Beauty Salon $53.07$45.5616.5%
      Toothpaste $3.61$3.702.5%
      Shampoo $1.30$1.281.8%
      Movie $12.76$12.135.2%
      Bowling $14.60$18.0018.9%

      Groceries

      Item Cheektowaga National avg. Difference
      Ground Beef $6.16$5.845.5%
      Fried Chicken $1.39$1.5711.4%
      Milk $4.67$4.670.0%
      Potatoes $5.26$4.936.5%
      Pizza $10.99$12.099.1%
      Beer $10.47$10.410.6%

      Health Care

      Item Cheektowaga National avg. Difference
      Optometrist $75.93$125.6839.6%
      Doctor $103.92$135.7823.5%
      Dentist $149.67$113.2932.1%
      Ibuprofen $10.42$10.652.2%
      Lipitor $464.18$468.600.9%

      Housing

      Item Cheektowaga National avg. Difference
      Home Price $118,400.00$184,700.0035.9%
      Avg. Mortgage Payment $2,421.64$2,346.693.2%
      Apartment Rent $862.00$949.009.2%

      Transportation

      Item Cheektowaga National avg. Difference
      Gasoline $3.46$3.460.1%
      Tire Balancing $48.79$59.9218.6%

      Utilities

      Item Cheektowaga National avg. Difference
      All Electricity $173.44$193.9910.6%
      Phone $195.54$192.251.7%
      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.
      Niagara Falls, NY47,9788218.5%
      Sloan, NY3,5478316.8%
      Tonawanda city, NY14,9918416.5%
      Lackawanna, NY17,7518515.5%
      Buffalo, NY255,8058614.5%
      Cheektowaga, NY73,4578811.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bismarck, ND73,4351054.8%
      Schaumburg, IL73,39211616.3%
      Apple Valley, CA73,33911818.4%
      Flagstaff, AZ73,31912928.7%
      Ellicott City, MD73,27215150.7%
      Cheektowaga, NY73,4578811.9%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.