Cost of Living in Cold Spring, NY

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F
45%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
129%
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 Cold Spring New York National
Cost of living145121100
Groceries106106100
Health care111110100
Housing229144100
Transportation111113100
Utilities111112100
Lifestyle & Entertainment108111100
Household Items107106100
Education & Childcare112118100
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Homes For Sale In Cold Spring, NY

property for sale

35 Crest Rd

Cold Spring, NY
property for sale

172 Main St

Cold Spring, NY
property for sale

11 Hustis Rd

Cold Spring, NY
property for sale

69 Hy Vue Ter

Cold Spring, NY

Cost Of Living Quick Facts

  • The cost of living in Cold Spring is 20% higher than the New York average
  • The cost of living in Cold Spring is 45% higher than the national average
  • Cold Spring housing is 129% 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 Cold Spring

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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$204,620$17,052$4,774$6,139
      Renters$71,025$5,919$1,657$2,131

      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.
      Copake Hamlet, NY1641043.8%
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      Maybrook, NY3,7071076.5%
      Mountain Lodge Park, NY2,90211110.8%
      Wallkill, NY2,06611212.4%
      Cold Spring, NY1,95114545.3%

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      Smoky River No. 130, AB1,951n/a 
      Cold Spring, NY1,95114545.3%
      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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