Cost Of Living in Fire Island, NY

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F

41%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

115%

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	Fire Island	New York	National
Cost of living	141	121	100
Groceries	103	106	100
Health care	110	110	100
Housing	215	144	100
Transportation	115	113	100
Utilities	112	112	100
Lifestyle & Entertainment	107	111	100
Household Items	108	106	100
Education & Childcare	116	118	100

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Homes For Sale In Fire Island, NY

176A Lewis Walk #26

Cherry Grove, NY

485 Bayberry Walk

Ocean Beach, NY

200 Clipper Way

Bay Shore, NY

17 Superior St

Ocean Beach, NY

Cost Of Living Quick Facts

The cost of living in Fire Island is 17% higher than the New York average
The cost of living in Fire Island is 41% higher than the national average
Fire Island housing is 115% 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	$158,528	$13,211	$3,699	$4,756
Renters	$104,342	$8,695	$2,434	$3,131

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.
Ocean Beach, NY	32	110	9.6%
Saltaire, NY	26	110	9.6%
Wyandanch, NY	11,925	125	25.1%
Shirley, NY	29,314	127	26.8%
Central Islip, NY	34,526	128	28.1%
Fire Island, NY	379	141	41.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Gainesville, AL	379	103	2.8%
Central, AZ	379	107	7.4%
Forbestown, CA	379	121	21.2%
Barrett, MN	379	86	13.7%
Shiloh, NJ	379	106	5.7%
Fire Island, NY	379	141	41.3%