Cost Of Living in Shrub Oak, NY

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F

34%

Overall NAT. AVG.

6%

Groceries NAT. AVG.

91%

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	Shrub Oak	New York	National
Cost of living	134	121	100
Groceries	106	106	100
Health care	111	110	100
Housing	191	144	100
Transportation	111	113	100
Utilities	111	112	100
Lifestyle & Entertainment	108	111	100
Household Items	107	106	100
Education & Childcare	112	118	100

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Homes For Sale In Shrub Oak, NY

3296 Stony St

Mohegan Lake, NY

1075 Spillway Rd

Shrub Oak, NY

1231 Crestward Ave

Shrub Oak, NY

Cost Of Living Quick Facts

The cost of living in Shrub Oak is 11% higher than the New York average
The cost of living in Shrub Oak is 34% higher than the national average
Shrub Oak housing is 91% 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

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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	$153,682	$12,807	$3,586	$4,611
Renters	$167,536	$13,961	$3,909	$5,027

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.
Watchtower, NY	2,176	109	8.6%
Copake Hamlet, NY	164	104	3.8%
Newburgh, NY	28,811	106	5.5%
Vails Gate, NY	3,033	113	13.3%
New Windsor, NY	9,162	115	15.5%
Shrub Oak, NY	3,164	134	33.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Dadeville, AL	3,164	85	15.0%
DeWitt, AR	3,164	83	16.8%
Dunean, SC	3,164	90	9.6%
Kingstree, SC	3,164	86	14.5%
Shady Cove, OR	3,163	106	5.7%
Shrub Oak, NY	3,164	134	33.8%