Cost of Living in Waterville, NY

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A
2%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
31%
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 Waterville New York National
Cost of living98121100
Groceries106106100
Health care109110100
Housing69144100
Transportation115113100
Utilities110112100
Lifestyle & Entertainment113111100
Household Items104106100
Education & Childcare119118100
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Homes For Sale In Waterville, NY

property for sale

7828 Gorton Lake Rd

Waterville, NY
property for sale

174 Elmwood Ave

Waterville, NY
property for sale

314 Stafford Ave

Waterville, NY
property for sale

7229 Madison St

Waterville, NY

Cost Of Living Quick Facts

  • The cost of living in Waterville is 19% lower than the New York average
  • The cost of living in Waterville is 2% lower than the national average
  • Waterville housing is 31% 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 Waterville

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      Transportation index
      Utilities index
      Lifestyle 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$111,701$9,308$2,606$3,351
      Renters$64,270$5,356$1,500$1,928

      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.
      Westmoreland, NY5111109.6%
      Bridgewater, NY491918.5%
      Oriskany Falls, NY793945.5%
      Earlville, NY879955.3%
      West Winfield, NY717954.9%
      Waterville, NY1,718982.1%

      Cities with similar population

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      Lakin, KS1,7188316.6%
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      Cheswick, PA1,718955.1%
      Clay, PA1,7181021.9%
      Boulevard Gardens, FL1,7171109.8%
      Waterville, NY1,718982.1%
      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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