Cost Of Living in Norfolk, NY

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10%

Overall NAT. AVG.

7%

Groceries NAT. AVG.

47%

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	Norfolk	New York	National
Cost of living	90	121	100
Groceries	107	106	100
Health care	105	110	100
Housing	53	144	100
Transportation	106	113	100
Utilities	106	112	100
Lifestyle & Entertainment	105	111	100
Household Items	103	106	100
Education & Childcare	103	118	100

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Homes For Sale In Norfolk, NY

5 Hepburn St

Norfolk, NY

649 County Route 36

Norfolk, NY

1683

Norfolk, NY

Van Kennen Road

Norfolk, NY

Cost Of Living Quick Facts

The cost of living in Norfolk is 26% lower than the New York average
The cost of living in Norfolk is 10% lower than the national average
Norfolk housing is 47% 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

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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	$87,368	$7,281	$2,038	$2,621
Renters	$45,445	$3,787	$1,060	$1,363

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.
Massena, NY	9,855	89	11.3%
Winthrop, NY	179	89	11.1%
Norwood, NY	1,602	90	10.4%
Parishville, NY	635	91	9.1%
Madrid, NY	829	93	7.1%
Norfolk, NY	922	90	10.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Royal Center, IN	922	83	16.7%
Stephenson, MI	922	82	17.6%
Cass Lake, MN	922	85	14.9%
Walhalla, ND	922	85	14.6%
Morgandale, OH	922	84	15.5%
Norfolk, NY	922	90	10.5%

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.

Cost of Living in Norfolk, NY

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Median Income & Debt-To-Income Ratio

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Nearby cities with low cost of living

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