Cost of Living in Thornwood, NY

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F
65%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
188%
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 Thornwood New York National
Cost of living165121100
Groceries106106100
Health care111110100
Housing288144100
Transportation116113100
Utilities115112100
Lifestyle & Entertainment115111100
Household Items105106100
Education & Childcare128118100
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Homes For Sale In Thornwood, NY

property for sale

1 Stella RD

Thornwood, NY
property for sale

616 Sherman Ave

Thornwood, NY
property for sale

80 Eton Rd

Thornwood, NY
property for sale

107 Whittier Dr

Thornwood, NY

Cost Of Living Quick Facts

  • The cost of living in Thornwood is 37% higher than the New York average
  • The cost of living in Thornwood is 65% higher than the national average
  • Thornwood housing is 188% 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 Thornwood

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      Utilities index
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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$277,600$23,133$6,477$8,329
      Renters$170,850$14,238$3,986$5,126
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Thornwood, 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 Thornwood, homeowners have a median income of $277,600. Using that number, a maximum of $6,477 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $170,850, which means there is a maximum of $3,986 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.
      Greenville CDP (Greene County), NY6161066.1%
      Mount Ivy, NY7,67512020.1%
      Haverstraw, NY12,43112121.4%
      West Haverstraw, NY10,53912121.4%
      Peekskill, NY25,02112423.7%
      Thornwood, NY4,63616565.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Negaunee, MI4,6368811.6%
      Smoky Lake County, AB4,636n/a 
      Jonesboro, LA4,6358218.3%
      Lexington, MO4,6358613.6%
      Seguin, ON4,637n/a 
      Thornwood, NY4,63616565.3%
      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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