Cost of Living in Oakdale, NY

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F
43%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
121%
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 Oakdale New York National
Cost of living143121100
Groceries103106100
Health care111110100
Housing221144100
Transportation110113100
Utilities109112100
Lifestyle & Entertainment113111100
Household Items105106100
Education & Childcare120118100
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Homes For Sale In Oakdale, NY

property for sale

251 Oakwood Rd

Oakdale, NY
property for sale

25 Greentree Dr

Oakdale, NY
property for sale

70 Featherbed Ln

Oakdale, NY
property for sale

3609 Wilshire Ln Unit 3609 F

Oakdale, NY

Cost Of Living Quick Facts

  • The cost of living in Oakdale is 18% higher than the New York average
  • The cost of living in Oakdale is 43% higher than the national average
  • Oakdale housing is 121% 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

Most Affordable Places to Live in and Around Oakdale

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      Salary Calculator

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      Cost of living index
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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$192,314$16,026$4,487$5,770
      Renters$43,888$3,657$1,024$1,317
      A good way to judge both the affordability of the housing and the cost of living in Oakdale is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Oakdale has a median income of about $192,314 for people who own homes. Based on that number, a maximum of $4,487 should be spent on expenses related to housing. Renters have a slightly different median income, which is $43,888. Based on this average, renters should spend no more than $1,024 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      Stony Brook University, NY8,7751109.6%
      Ocean Beach, NY321109.6%
      Saltaire, NY261109.6%
      Middle Island, NY11,45412423.6%
      Wyandanch, NY11,92512525.1%
      Oakdale, NY7,18814342.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Old Greenwich, CT7,189289188.5%
      Pelham, NY7,19017473.7%
      Pinehurst, MA7,18414444.2%
      Souderton, PA7,1841076.6%
      Huntingdon, PA7,182918.5%
      Oakdale, NY7,18814342.7%
      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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