Cost Of Living in Stillwater, NY

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C

10%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

13%

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	Stillwater	New York	National
Cost of living	110	121	100
Groceries	105	106	100
Health care	108	110	100
Housing	113	144	100
Transportation	111	113	100
Utilities	114	112	100
Lifestyle & Entertainment	108	111	100
Household Items	103	106	100
Education & Childcare	112	118	100

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Homes For Sale In Stillwater, NY

51 Ferry Ln Unit PVT

Stillwater, NY

23 Luther Rd

Saratoga Springs, NY

97 County Route 76

Stillwater, NY

21 County Route 75

Mechanicville, NY

Cost Of Living Quick Facts

The cost of living in Stillwater is 9% lower than the New York average
The cost of living in Stillwater is 10% higher than the national average
Stillwater housing is 13% 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	$152,724	$12,727	$3,563	$4,582
Renters	$92,887	$7,741	$2,167	$2,787

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.
Schenectady, NY	66,726	99	0.7%
Hoosick Falls, NY	3,491	98	2.2%
Green Island, NY	2,707	100	0.3%
Cambridge, NY	2,333	101	0.9%
Waterford, NY	2,222	102	1.8%
Stillwater, NY	2,025	110	9.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Laton, CA	2,025	105	5.3%
Tavernier, FL	2,025	150	49.5%
Maroa, IL	2,025	87	13.4%
Prestbury, IL	2,025	122	21.6%
Doe Valley, KY	2,025	102	2.2%
Stillwater, NY	2,025	110	9.9%