Cost of Living in Seneca Falls, NY

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11%
Overall NAT. AVG.
2%
Goods & Services NAT. AVG.
38%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Seneca Falls New York National
Cost of living89118100
Goods & Services102108100
Groceries97102100
Health care99111100
Housing62144100
Transportation106107100
Utilities93101100
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Homes For Sale In Seneca Falls, NY

property for sale

3778 State Route 89

Seneca Falls, NY
property for sale

864 Gravel Rd

Seneca Falls, NY
property for sale

2493 Lower Lake Rd

Seneca Falls, NY
property for sale

13 Center St #11

Seneca Falls, NY

Cost Of Living Quick Facts

  • The cost of living in Seneca Falls is 24% lower than the New York average
  • The cost of living in Seneca Falls is 11% lower than the national average
  • Seneca Falls housing is 38% 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

Most Affordable Places to Live in and Around Seneca Falls

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Compare Seneca Falls, NY Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$87,254$7,271$2,036$2,618
      Renters$31,828$2,652$743$955
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Seneca Falls, NY, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Seneca Falls, homeowners have a median income of $87,254. Using that number, a maximum of $2,036 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $31,828, which means there is a maximum of $743 to be spent on the costs of renting a home or apartment.

      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%

      Goods & Services

      Item Seneca Falls National avg. Difference
      Haircut $24.50$27.6211.3%
      Beauty Salon $45.33$51.1111.3%
      Toothpaste $4.05$4.091.0%
      Shampoo $1.38$1.5410.5%
      Movie $14.64$12.8813.7%
      Yoga $20.67$19.665.1%

      Groceries

      Item Seneca Falls National avg. Difference
      Ground Beef $7.60$7.701.4%
      Fried Chicken $1.49$1.6610.4%
      Milk $4.82$4.731.8%
      Potatoes $5.45$5.263.7%
      Pizza $14.21$12.7611.3%
      Beer $10.25$10.552.8%

      Health Care

      Item Seneca Falls National avg. Difference
      Optometrist $203.17$140.0645.1%
      Doctor $125.67$153.8218.3%
      Dentist $124.13$123.150.8%
      Ibuprofen $11.68$11.730.4%
      Lipitor $22.97$23.612.7%

      Housing

      Item Seneca Falls National avg. Difference
      Home Price $173,859.00$326,622.0046.8%
      Avg. Mortgage Payment $2,919.18$2,480.2517.7%
      Apartment Rent $1,179.00$1,444.0018.4%

      Transportation

      Item Seneca Falls National avg. Difference
      Gasoline $3.15$3.063.2%
      Tire Balancing $74.50$65.2114.2%

      Utilities

      Item Seneca Falls National avg. Difference
      All Electricity $195.18$220.1211.3%
      Phone $198.89$195.711.6%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Savannah, NY5618416.4%
      Clyde, NY1,8768416.1%
      Romulus, NY4468713.5%
      Lyons, NY3,4208712.5%
      Port Byron, NY1,0668812.1%
      Seneca Falls, NY6,5078911.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Battlefield, MO6,508919.1%
      West Point, NY6,50817777.5%
      East Greenbush, NY6,50511414.3%
      Port Isabel, TX6,5098217.7%
      White Oak, TX6,504972.9%
      Seneca Falls, NY6,5078911.2%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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