Cost Of Living in Montauk, NY

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F

105%

Overall NAT. AVG.

7%

Groceries NAT. AVG.

333%

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	Montauk	New York	National
Cost of living	205	121	100
Groceries	107	106	100
Health care	109	110	100
Housing	433	144	100
Transportation	105	113	100
Utilities	107	112	100
Lifestyle & Entertainment	110	111	100
Household Items	103	106	100
Education & Childcare	113	118	100

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Homes For Sale In Montauk, NY

131 S Emerson Ave #235

Montauk, NY

205 Fairview Ave

Montauk, NY

15 Edgemere St

Montauk, NY

131 S Emerson Ave #224

Montauk, NY

Cost Of Living Quick Facts

The cost of living in Montauk is 70% higher than the New York average
The cost of living in Montauk is 105% higher than the national average
Montauk housing is 333% 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	$173,519	$14,460	$4,049	$5,206
Renters	$114,997	$9,583	$2,683	$3,450

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.
Fishers Island, NY	63	107	7.4%
East Hampton North, NY	4,331	173	72.9%
Springs, NY	7,507	184	83.6%
Northwest Harbor, NY	4,302	196	95.5%
East Hampton, NY	948	319	218.6%
Montauk, NY	3,644	205	105.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Roselawn, IN	3,644	91	9.0%
Morris-Turnberry, ON	3,644	n/a
Willcox, AZ	3,643	86	14.4%
Vivian, LA	3,643	81	19.2%
Marienville, PA	3,643	86	14.4%
Montauk, NY	3,644	205	105.2%

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.

Cost of Living in Montauk, NY

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Median Income & Debt-To-Income Ratio

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