Cost Of Living in University at Buffalo, NY

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D+

14%

Overall NAT. AVG.

8%

Groceries NAT. AVG.

19%

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	University at Buffalo	New York	National
Cost of living	114	121	100
Groceries	108	106	100
Health care	109	110	100
Housing	119	144	100
Transportation	116	113	100
Utilities	113	112	100
Lifestyle & Entertainment	113	111	100
Household Items	107	106	100
Education & Childcare	121	118	100

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Cost Of Living Quick Facts

The cost of living in University at Buffalo is 5% lower than the New York average
The cost of living in University at Buffalo is 14% higher than the national average
University at Buffalo housing is 19% 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	$0	$0	$0	$0
Renters	$30,946	$2,579	$722	$928

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in University at Buffalo, 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 University at Buffalo, homeowners have a median income of $0. Using that number, a maximum of $0 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $30,946, which means there is a maximum of $722 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.
South Lockport, NY	8,624	90	9.7%
Niagara Falls, NY	49,651	92	7.8%
Sloan, NY	3,688	95	4.7%
Tonawanda city, NY	15,560	94	5.6%
Lockport, NY	21,177	95	4.8%
University at Buffalo, NY	6,246	114	14.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Laie, HI	6,246	208	108.3%
Elmwood, LA	6,246	103	3.3%
Silver Lakes, CA	6,248	121	20.6%
Greenwood, MO	6,243	101	1.3%
Manchester, WA	6,249	128	28.1%
University at Buffalo, NY	6,246	114	14.0%