Cost of Living in Gardnertown, NY

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D
16%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
35%
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 Gardnertown New York National
Cost of living116121100
Groceries107106100
Health care107110100
Housing135144100
Transportation108113100
Utilities109112100
Lifestyle & Entertainment112111100
Household Items107106100
Education & Childcare112118100
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Homes For Sale In Gardnertown, NY

property for sale

23 Innis Ave

Newburgh, NY
property for sale

109 S Plank Rd

Newburgh, NY
property for sale

14 Foxwood Dr

Newburgh, NY
property for sale

4 Christie Rd

Newburgh, NY

Cost Of Living Quick Facts

  • The cost of living in Gardnertown is 3% lower than the New York average
  • The cost of living in Gardnertown is 16% higher than the national average
  • Gardnertown housing is 35% 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 Gardnertown

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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$136,347$11,362$3,181$4,091
      Renters$118,370$9,864$2,762$3,551
      The affordability of the housing market in Gardnertown, 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 Gardnertown homeowners, the median income is $136,347. This indicates that a monthly maximum of $3,181 should be spent by homeowners on all housing related costs. Renters have a median income of $118,370. This indicates that renters would have a maximum of $2,762 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.
      Newburgh, NY28,8111065.5%
      Maybrook, NY3,7071076.5%
      Mountain Lodge Park, NY2,90211110.8%
      Freedom Plains, NY71611010.4%
      Poughkeepsie, NY31,21311110.6%
      Gardnertown, NY4,12811616.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bloomfield Hills, MI4,12719897.6%
      Pleasant Hills, MD4,12914140.8%
      Deer Park, IL4,12615756.7%
      Venus, TX4,130991.2%
      Madawaska Valley, ON4,125n/a 
      Gardnertown, NY4,12811616.5%
      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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