Cost of Living in Warwick, NY

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F
29%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
72%
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 Warwick New York National
Cost of living129121100
Groceries108106100
Health care111110100
Housing172144100
Transportation110113100
Utilities112112100
Lifestyle & Entertainment107111100
Household Items108106100
Education & Childcare120118100
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Homes For Sale In Warwick, NY

property for sale

24 Olde Wagon Rd

Warwick, NY
property for sale

93 Walling Rd

Warwick, NY
property for sale

55 Regent Rd

Warwick, NY
property for sale

33 Foley Rd

Warwick, NY

Cost Of Living Quick Facts

  • The cost of living in Warwick is 7% higher than the New York average
  • The cost of living in Warwick is 29% higher than the national average
  • Warwick housing is 72% 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 Warwick

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      Salary Calculator

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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$176,814$14,735$4,125$5,305
      Renters$50,229$4,186$1,172$1,507
      The affordability of the housing market in Warwick, NY as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Warwick homeowners, the median income is $176,814. This indicates that a monthly maximum of $4,125 should be spent by homeowners on all housing related costs. Renters have a median income of $50,229. This indicates that renters would have a maximum of $1,172 for their rent related monthly 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.
      Vernon Center, NJ1,5181033.2%
      Otisville, NY1,5701098.8%
      Franklin, NJ4,92711212.1%
      Middletown, NY29,09211110.8%
      Mountain Lodge Park, NY2,90211110.8%
      Warwick, NY7,01912928.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Cullowhee, NC7,02111111.5%
      Prairie View, TX7,0141000.3%
      Centerville, SC7,025954.8%
      Montevallo, AL7,009928.4%
      Seaside, OR7,00812222.2%
      Warwick, NY7,01912928.8%
      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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