Cost Of Living in Florida, NY

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F

27%

Overall NAT. AVG.

8%

Groceries NAT. AVG.

67%

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	Florida	New York	National
Cost of living	127	121	100
Groceries	108	106	100
Health care	111	110	100
Housing	167	144	100
Transportation	110	113	100
Utilities	112	112	100
Lifestyle & Entertainment	107	111	100
Household Items	108	106	100
Education & Childcare	120	118	100

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Homes For Sale In Florida, NY

L16.1

Florida, NY

103 Joann Way

Amsterdam, NY

105 Hartman Rd

Pattersonville, NY

854 Millers Corners Rd

Amsterdam, NY

Cost Of Living Quick Facts

The cost of living in Florida is 6% higher than the New York average
The cost of living in Florida is 27% higher than the national average
Florida housing is 67% 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	$156,582	$13,049	$3,653	$4,698
Renters	$102,666	$8,556	$2,395	$3,080

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.
Vernon Center, NJ	1,518	103	3.2%
Maybrook, NY	3,707	107	6.5%
Otisville, NY	1,570	109	8.8%
Middletown, NY	29,092	111	10.8%
Mountain Lodge Park, NY	2,902	111	10.8%
Florida, NY	2,974	127	27.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Syracuse, IN	2,974	87	12.9%
Loma Rica, CA	2,973	133	33.3%
Simpsonville, KY	2,973	99	0.8%
Youngwood, PA	2,973	89	10.8%
East Kootenay F, BC	2,973	n/a
Florida, NY	2,974	127	27.4%