Cost of Living in Pelham, NY

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F
74%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
221%
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 Pelham New York National
Cost of living174121100
Groceries109106100
Health care108110100
Housing321144100
Transportation115113100
Utilities110112100
Lifestyle & Entertainment109111100
Household Items104106100
Education & Childcare120118100
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Homes For Sale In Pelham, NY

property for sale

22 The Hamlet

Pelham, NY
property for sale

4784 Boston Post Rd Apt A51

Village of Pelham, NY
property for sale

600 Pelhamdale Ave

Pelham, NY
property for sale

107 Ancon Ave

Pelham, NY

Cost Of Living Quick Facts

  • The cost of living in Pelham is 44% higher than the New York average
  • The cost of living in Pelham is 74% higher than the national average
  • Pelham housing is 221% 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 Pelham

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      Salary Calculator

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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$285,514$23,793$6,662$8,566
      Renters$130,237$10,853$3,039$3,908
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Pelham, NY, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Pelham homeowners, is $285,514. This would allow for a maximum of $6,662 per month to be spent on housing costs. For renters, the median monthly income is $130,237 which would result in a maximum of $3,039 to be spent on rental costs.

      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.
      Greenville CDP (Greene County), NY6161066.1%
      Spring Valley, NY33,20212626.1%
      Hackensack, NJ46,00512626.3%
      Guttenberg, NJ11,55712928.6%
      Teterboro, NJ11412827.9%
      Pelham, NY7,19017473.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Old Greenwich, CT7,189289188.5%
      Oakdale, NY7,18814342.7%
      Pinehurst, MA7,18414444.2%
      Souderton, PA7,1841076.6%
      North Stormont, ON7,196n/a 
      Pelham, NY7,19017473.7%
      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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