Cost of Living in Seneca Falls, NY

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A+
5%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
38%
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 Seneca Falls New York National
Cost of living95121100
Groceries105106100
Health care110110100
Housing62144100
Transportation110113100
Utilities114112100
Lifestyle & Entertainment108111100
Household Items105106100
Education & Childcare117118100
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Homes For Sale In Seneca Falls, NY

property for sale

1500 State Route 414

Seneca Falls, NY
property for sale

70 Cayuga St

Seneca Falls, NY
property for sale

3203 Demont Rd

Seneca Falls, NY
property for sale

192 Fall St

Seneca Falls, NY

Cost Of Living Quick Facts

  • The cost of living in Seneca Falls is 21% lower than the New York average
  • The cost of living in Seneca Falls is 5% 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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      Salary Calculator

      This is how much you would need to earn in
      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$87,254$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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Savannah, NY5619010.1%
      Clyde, NY1,8769010.0%
      Romulus, NY446928.1%
      Lyons, NY3,420937.3%
      Port Byron, NY1,066945.8%
      Seneca Falls, NY6,507955.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Battlefield, MO6,508937.1%
      West Point, NY6,50817473.9%
      East Greenbush, NY6,50511918.8%
      Port Isabel, TX6,509918.9%
      White Oak, TX6,504990.5%
      Seneca Falls, NY6,507955.0%
      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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