Cost Of Living in Croton-on-Hudson, NY

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F

60%

Overall NAT. AVG.

6%

Groceries NAT. AVG.

178%

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	Croton-on-Hudson	New York	National
Cost of living	160	121	100
Groceries	106	106	100
Health care	111	110	100
Housing	278	144	100
Transportation	111	113	100
Utilities	111	112	100
Lifestyle & Entertainment	108	111	100
Household Items	107	106	100
Education & Childcare	112	118	100

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Homes For Sale In Croton-on-Hudson, NY

1311 Half Moon Bay Dr

Croton on Hudson, NY

80 Half Moon Bay Dr

Croton-On-Hudson, NY

9 Hudson River Rd Unit C-16

Croton-On-Hudson, NY

18 Prospect Pl

Croton on Hudson, NY

Cost Of Living Quick Facts

The cost of living in Croton-on-Hudson is 33% higher than the New York average
The cost of living in Croton-on-Hudson is 60% higher than the national average
Croton-on-Hudson housing is 178% 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

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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	$249,814	$20,818	$5,829	$7,495
Renters	$101,858	$8,488	$2,377	$3,056

To approximate the cost of living and the housing affordability in Croton-on-Hudson, NY, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Croton-on-Hudson have a median income of $249,814. Therefore, the amount that a consumer should spend on housing costs should be no more than $5,829 per month to avoid calamity and poverty. The renters in the city have an income of about $101,858, which would make their monthly maximum allowable rental costs $2,377.

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.
Greenville CDP (Greene County), NY	616	106	6.1%
Mountain Lodge Park, NY	2,902	111	10.8%
Fort Montgomery, NY	1,939	118	17.6%
Highland Falls, NY	3,960	118	17.7%
Mount Ivy, NY	7,675	120	20.1%
Croton-on-Hudson, NY	8,383	160	59.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
St. Martin, MS	8,380	90	9.8%
Banff, AB	8,380	n/a
Wading River, NY	8,387	151	50.9%
Thousand Palms, CA	8,388	114	14.4%
Torbay, NL	8,388	n/a
Croton-on-Hudson, NY	8,383	160	59.9%