A
1%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
25%
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 Endwell New York National
Cost of living99121100
Groceries104106100
Health care109110100
Housing75144100
Transportation114113100
Utilities113112100
Lifestyle & Entertainment112111100
Household Items104106100
Education & Childcare113118100
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An Overview of Cost of Living in Endwell, NY

Are you thinking about relocating, but curious about the potential cost of living in Endwell? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Endwell stands at 99, making it 1% 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.

The cost of living in Endwell aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, household expenses, health care and utility bills are priced at a level consistent with the average in similar urban areas. Endwell residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.

Is Endwell Affordable?

Is Endwell affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Endwell, for instance, where the median home price falls 25.8% lower than the national average, and monthly rent rates are 21.7% lower than usual. Additionally, median income levels contribute to the equation, with Endwell flaunting a median household income of $91,062, 12% higher than the national norm.

What Factors can Influence the Cost of Living in Endwell?

Utilities: Similar to the prices of any other goods or services, utility expenditures can exhibit substantial variability, influenced by factors such as climate, energy sources accessibility, geographical location and state regulations. Costs related to electricity, water, heating, and waste disposal can fluctuate, whether higher or lower, contingent on the city or state. In Endwell, the utilities index is 13.4% higher than the national average.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Endwell, the groceries index is 4.4% higher than the national average.

Healthcare: Healthcare expenditures and insurance premium rates can vary significantly, contingent upon the particular city or state. Factors such as the accessibility of healthcare facilities, out-of-pocket expenses for doctor's appointments, dental care charges, prescription medication costs, and expenses related to specialized medical care can all have an impact on the overall cost of living. In Endwell, healthcare costs are 9.2% higher than the national average.

Where is the Data From?

The cost of living data for Endwell shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

  • The cost of living in Endwell is 18% lower than the New York average
  • The cost of living in Endwell is 1% lower than the national average
  • Endwell housing is 25% 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 Endwell

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Compare Endwell, NY Cost of Living

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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$107,351$8,946$2,505$3,221
      Renters$43,657$3,638$1,019$1,310
      The affordability of the housing market in Endwell, NY as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Endwell homeowners, the median income is $107,351. This indicates that a monthly maximum of $2,505 should be spent by homeowners on all housing related costs. Renters have a median income of $43,657. This indicates that renters would have a maximum of $1,019 for their rent related monthly costs.

      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.
      Binghamton University, NY6,3511109.6%
      Hallstead, PA1,251936.6%
      Glen Aubrey, NY268946.4%
      Endicott, NY12,939946.2%
      Binghamton, NY46,285945.6%
      Endwell, NY11,668990.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Estevan, SK11,667n/a 
      Fort Morgan, CO11,6661054.9%
      Guthrie, OK11,6669010.0%
      Show Low, AZ11,6701000.1%
      Minnehaha, WA11,66512625.8%
      Endwell, NY11,668990.7%
      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.