Cost of Living in Saugerties, NY

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C-
13%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
24%
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 Saugerties New York National
Cost of living113121100
Groceries107106100
Health care107110100
Housing124144100
Transportation108113100
Utilities109112100
Lifestyle & Entertainment112111100
Household Items107106100
Education & Childcare112118100
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Homes For Sale In Saugerties, NY

property for sale

25 Spada Dr

Saugerties, NY
property for sale

310 Glenerie Blvd

Saugerties, NY
property for sale

220 Main St

Saugerties, NY
property for sale

250

Saugerties, NY

Cost Of Living Quick Facts

  • The cost of living in Saugerties is 6% lower than the New York average
  • The cost of living in Saugerties is 13% higher than the national average
  • Saugerties housing is 24% 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 Saugerties

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      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$129,786$10,816$3,028$3,894
      Renters$43,528$3,627$1,016$1,306
      A good way to judge both the affordability of the housing and the cost of living in Saugerties 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. Saugerties has a median income of about $129,786 for people who own homes. Based on that number, a maximum of $3,028 should be spent on expenses related to housing. Renters have a slightly different median income, which is $43,528. Based on this average, renters should spend no more than $1,016 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.
      Lorenz Park, NY2,0581033.4%
      Leeds, NY4071055.2%
      Jefferson Heights, NY1,0271055.4%
      Lincoln Park, NY2,2241044.4%
      Catskill, NY3,9201077.2%
      Saugerties, NY3,92711313.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Del Monte Forest, CA3,927274173.8%
      Leo-Cedarville, IN3,9271010.6%
      Shadyside, OH3,9288712.8%
      Denver, PA3,9281000.4%
      Lawrence Park, PA3,928919.4%
      Saugerties, NY3,92711313.1%
      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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