| Index | Middletown | New York | National |
| Cost of living | 111 | 121 | 100 |
| Groceries | 108 | 106 | 100 |
| Health care | 111 | 110 | 100 |
| Housing | 112 | 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 |
The cost of living in Middletown affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Middletown is 111, which is 11% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
The most insightful perspective on a city comes from its residents. We recently surveyed 7 locals to gauge their perception of the cost of living in Middletown. The feedback revealed that 29% of respondents found the cost of living to be reasonable, with prices on the decline, while 71% regarded it as notably expensive with prices that continue to rise.
Wondering if Middletown is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Middletown, for example, the median home price is 2.2% higher than what folks pay nationally, and monthly rent is 33.5% higher than the usual rates. Plus, income levels matter too, with Middletown boasting a median household income of $86,182, which is 6% higher than the national average.
Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Middletown, the groceries index is 7.9% higher than the national average.
Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Middletown, the utilities index registers 11.8% higher than the national average.
Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.
The cost of living data for Middletown shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $128,271 | $10,689 | $2,993 | $3,849 |
| Renters | $56,255 | $4,688 | $1,313 | $1,688 |
| State | General Sales Tax | With Max Surtax |
| New York | 4% | 8.875% |
| State | Income Tax (Low) | Income Tax (High) |
| New York | 4% | 10.9% |
| City | Population | Cost of Living Index | National Avg. |
| Monticello, NY | 6,569 | 100 | 0.3% |
| Port Jervis, NY | 8,716 | 102 | 1.9% |
| Wurtsboro, NY | 1,053 | 105 | 4.5% |
| Maybrook, NY | 3,707 | 107 | 6.5% |
| Otisville, NY | 1,570 | 109 | 8.8% |
| Middletown, NY | 29,092 | 111 | 10.8% |
| City | Population | Cost of Living Index | National Avg. |
| Bethany, OR | 29,089 | 157 | 57.4% |
| Saugus, MA | 29,084 | 139 | 38.9% |
| Aberdeen, SD | 29,054 | 96 | 4.0% |
| Williamsport, PA | 29,130 | 90 | 10.2% |
| Jeffersontown, KY | 29,051 | 99 | 1.2% |
| Middletown, NY | 29,092 | 111 | 10.8% |
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