Cost of Living in Naples, NY

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4%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
34%
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 Naples New York National
Cost of living96121100
Groceries106106100
Health care107110100
Housing66144100
Transportation114113100
Utilities110112100
Lifestyle & Entertainment109111100
Household Items106106100
Education & Childcare113118100
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Homes For Sale In Naples, NY

property for sale

7160 Eelpot Rd

Naples, NY
property for sale

7069 State Route 21

Naples, NY
property for sale

5796 State Route 21

Naples, NY
property for sale

11533 Black Lock Rd

Naples, NY

Cost Of Living Quick Facts

  • The cost of living in Naples is 20% lower than the New York average
  • The cost of living in Naples is 4% lower than the national average
  • Naples housing is 34% 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

Most Affordable Places to Live in and Around Naples

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Compare Naples, NY Cost of Living

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      Utilities index
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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$81,592$6,799$1,904$2,448
      Renters$36,479$3,040$851$1,094

      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.
      Cohocton, NY1,093909.8%
      Wayland, NY1,800918.8%
      Avoca, NY1,044918.8%
      Rushville, NY749937.1%
      Dansville, NY4,828936.8%
      Naples, NY937963.7%

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      City Population Cost of Living Index National Avg.
      Gibson, GA9378316.6%
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      Winnebago, NE9377624.3%
      Chain O' Lakes, WI93713029.8%
      Val-Alain, QC937n/a 
      Naples, NY937963.7%
      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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