Cost of Living in Waverly, NY

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6%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
37%
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 Waverly New York National
Cost of living94121100
Groceries104106100
Health care107110100
Housing63144100
Transportation111113100
Utilities112112100
Lifestyle & Entertainment107111100
Household Items105106100
Education & Childcare113118100
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Homes For Sale In Waverly, NY

property for sale

419 Loder St

Waverly, NY
property for sale

45 Orange St

Waverly, NY
property for sale

0 Oxbow Rd

Waverly, NY
property for sale

38 Pine St

Waverly, NY

Cost Of Living Quick Facts

  • The cost of living in Waverly is 22% lower than the New York average
  • The cost of living in Waverly is 6% lower than the national average
  • Waverly housing is 37% 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 Waverly

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      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$90,975$7,581$2,123$2,730
      Renters$43,590$3,633$1,017$1,308
      A good indicator of the general affordability of housing in Waverly, NY, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Waverly, the median monthly income is $90,975 for those who own their own homes. Under the standard rule, that income level would allow for $2,123 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $43,590, per the median income in the area. That would allow for renters to spend up to $1,017 on monthly rental expenses.

      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.
      Erin, NY4598415.8%
      Elmira, NY27,860918.9%
      Breesport, NY895927.7%
      Candor, NY926937.4%
      Elmira Heights, NY4,368937.2%
      Waverly, NY4,270945.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Carmel Valley Village, CA4,270217116.6%
      Dyersville, IA4,271936.8%
      Lowell, MI4,271954.8%
      Forest City, IA4,2678613.9%
      Fox Farm-College, WY4,2671022.0%
      Waverly, NY4,270945.6%
      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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