Cost of Living in Waterford, NY

Get 300+ Local Insights for Any Address in Waterford, NY

Get Access to 300+ Local Data Points
B+
2%
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 Waterford New York National
Cost of living102121100
Groceries105106100
Health care108110100
Housing87144100
Transportation111113100
Utilities114112100
Lifestyle & Entertainment108111100
Household Items103106100
Education & Childcare112118100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

Homes For Sale In Waterford, NY

property for sale

69 Saratoga Ave

Waterford, NY
property for sale

28 Mohawk Ave

Waterford, NY
property for sale

43 Chester Dr

Waterford, NY
property for sale

542 Hudson River Rd

Waterford, NY

Cost Of Living Quick Facts

  • The cost of living in Waterford is 16% lower than the New York average
  • The cost of living in Waterford is 2% higher than the national average
  • Waterford housing is 13% lower 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 Waterford

See all the best places to live around Waterford

Compare Waterford, NY Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Waterford?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Waterford?
      Write a review to give others more information about this area.
      See all Waterford poll results

      The best places in New York

      Here are the best places to live in New YorkCheck out the 10 safest cities in New YorkThese are the largest cities in New YorkThese are the 10 cheapest cities in New York
      Best Places in New York

      Salary Calculator

      This is how much you would need to earn in
      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$122,886$10,241$2,867$3,687
      Renters$65,650$5,471$1,532$1,970

      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, NY66,726990.7%
      Green Island, NY2,7071000.3%
      Scotia, NY7,8981033.1%
      Mechanicville, NY5,1891021.8%
      Troy, NY50,4361022.2%
      Waterford, NY2,2221021.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Britannia No. 502, SK2,222n/a 
      Bar Harbor, ME2,22111514.9%
      Bawcomville, LA2,2238218.3%
      Stanley, VA2,223981.6%
      Lewisville, WA2,22316868.4%
      Waterford, NY2,2221021.8%
      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.
      General
      For Professionals
      Follow Us
      AV on Twitter AV on Facebook
      © AreaVibes Inc. 2010-2026