Cost of Living in University Gardens, NY

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F
86%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
265%
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 Gardens New York National
Cost of living186121100
Groceries107106100
Health care107110100
Housing365144100
Transportation109113100
Utilities113112100
Lifestyle & Entertainment106111100
Household Items107106100
Education & Childcare118118100
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Homes For Sale In University Gardens, NY

property for sale

77 Merrivale Rd

Great Neck, NY
property for sale

44 Terrace Cir Apt 1D

Great Neck, NY
property for sale

1 E Mill Dr Apt 2G

Great Neck, NY
property for sale

1 Somerset Dr N

Great Neck, NY

Cost Of Living Quick Facts

  • The cost of living in University Gardens is 54% higher than the New York average
  • The cost of living in University Gardens is 86% higher than the national average
  • University Gardens housing is 265% 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 University Gardens

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      Salary Calculator

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      Utilities index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$202,286$16,857$4,720$6,069
      Renters$83,985$6,999$1,960$2,520
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in University Gardens, NY, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for University Gardens homeowners, is $202,286. This would allow for a maximum of $4,720 per month to be spent on housing costs. For renters, the median monthly income is $83,985 which would result in a maximum of $1,960 to be spent on rental costs.

      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.
      Guttenberg, NJ11,55712928.6%
      West New York, NJ54,66413030.2%
      Hempstead, NY56,90813130.5%
      Fairview CDP, NJ3,95813332.7%
      Roslyn, NY2,99813232.2%
      University Gardens, NY4,47818686.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Pixley, CA4,4771055.4%
      Lawrenceville, IL4,4798316.7%
      Clintonville, WI4,4798712.8%
      Beach Haven West, NJ4,47614040.0%
      Okauchee Lake, WI4,47612625.6%
      University Gardens, NY4,47818686.0%
      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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