| Index | Newburgh | New York | National |
| Cost of living | 106 | 121 | 100 |
| Groceries | 107 | 106 | 100 |
| Health care | 107 | 110 | 100 |
| Housing | 99 | 144 | 100 |
| Transportation | 108 | 113 | 100 |
| Utilities | 109 | 112 | 100 |
| Lifestyle & Entertainment | 112 | 111 | 100 |
| Household Items | 107 | 106 | 100 |
| Education & Childcare | 112 | 118 | 100 |
Getting a feel for the cost of living in Newburgh is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Newburgh is 106, which is 6% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
In Newburgh, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Newburgh will resemble that of an average city, contributing to a manageable cost of living.
Wondering if Newburgh 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 Newburgh, for example, the median home price is 9.7% lower than what folks pay nationally, and monthly rent is 17.8% higher than the usual rates. Plus, income levels matter too, with Newburgh boasting a median household income of $63,749, which is 21.6% lower than the national average.
Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Newburgh starts at 4% and the income tax rates start at 4%.
Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Newburgh, the healthcare costs are 7.3% higher than the national average.
Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Newburgh, the housing index comes in at 1.5% lower than the national average.
The Newburgh cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
| 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 | $118,619 | $9,885 | $2,768 | $3,559 |
| Renters | $49,890 | $4,158 | $1,164 | $1,497 |
| 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. |
| Maybrook, NY | 3,707 | 107 | 6.5% |
| Mountain Lodge Park, NY | 2,902 | 111 | 10.8% |
| Freedom Plains, NY | 716 | 110 | 10.4% |
| Poughkeepsie, NY | 31,213 | 111 | 10.6% |
| Chester, NY | 4,144 | 112 | 12.1% |
| Newburgh, NY | 28,811 | 106 | 5.5% |
| City | Population | Cost of Living Index | National Avg. |
| Frankfort, KY | 28,807 | 90 | 9.7% |
| Reisterstown, MD | 28,804 | 116 | 15.8% |
| Courtenay, BC | 28,804 | n/a | |
| Burlington, MA | 28,820 | 165 | 65.4% |
| Winchester, VA | 28,825 | 111 | 11.3% |
| Newburgh, NY | 28,811 | 106 | 5.5% |
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