Cost Of Living in Galway, NY

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B

5%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

10%

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	Galway	New York	National
Cost of living	105	121	100
Groceries	104	106	100
Health care	111	110	100
Housing	90	144	100
Transportation	111	113	100
Utilities	111	112	100
Lifestyle & Entertainment	115	111	100
Household Items	109	106	100
Education & Childcare	124	118	100

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Homes For Sale In Galway, NY

127 Crannel Rd

Galway, NY

3043 E Shore South RD

Hagaman, NY

5518 Crooked St

Broadalbin, NY

L172 Greens Corner Rd

, NY

Cost Of Living Quick Facts

The cost of living in Galway is 13% lower than the New York average
The cost of living in Galway is 5% higher than the national average
Galway housing is 10% 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

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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	$102,842	$8,570	$2,399	$3,086
Renters	$27,610	$2,301	$644	$828

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.
Amsterdam, NY	18,359	95	4.6%
Tribes Hill, NY	889	99	0.7%
Schenectady, NY	66,726	99	0.7%
Mayfield, NY	968	101	0.7%
Fort Johnson, NY	798	101	0.9%
Galway, NY	219	105	4.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Anderson, AK	219	108	7.5%
Sweet Water, AL	219	84	15.7%
Mesa Vista, CA	219	136	35.6%
Ruth, CA	219	132	32.3%
Samoa, CA	219	117	16.6%
Galway, NY	219	105	4.9%