Cost of Living in Gardiner, NY

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D+
14%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
27%
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 Gardiner New York National
Cost of living114121100
Groceries107106100
Health care107110100
Housing127144100
Transportation108113100
Utilities109112100
Lifestyle & Entertainment112111100
Household Items107106100
Education & Childcare112118100
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Homes For Sale In Gardiner, NY

property for sale

1193 Albany Post Rd

Gardiner, NY
property for sale

513 S Mountain Rd

Gardiner, NY
property for sale

6 Misty Ridge Rd

Gardiner, NY
property for sale

172 Main St

Gardiner, NY

Cost Of Living Quick Facts

  • The cost of living in Gardiner is 5% lower than the New York average
  • The cost of living in Gardiner is 14% higher than the national average
  • Gardiner housing is 27% 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

Most Affordable Places to Live in and Around Gardiner

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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$114,130$9,511$2,663$3,424
      Renters$137,476$11,456$3,208$4,125

      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.
      Rifton, NY5271098.5%
      Cragsmoor, NY4518910.9%
      Napanoch, NY1,073964.1%
      Ellenville, NY4,150991.0%
      Accord, NY5721021.7%
      Gardiner, NY1,31211414.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Stanberry, MO1,3128317.4%
      North Ballston Spa, NY1,3121076.9%
      Bradford Woods, PA1,31212120.8%
      Richmond, NB1,312n/a 
      Sainte-Lucie-des-Laurentides, QC1,312n/a 
      Gardiner, NY1,31211414.1%
      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.
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