Cost Of Living in Ardsley, NY

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Ardsley	New York	National
Cost of living	191	117	100
Goods & Services	113	108	100
Groceries	105	102	100
Health care	110	103	100
Housing	374	145	100
Transportation	102	105	100
Utilities	131	100	100

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Cost Of Living Quick Facts

The cost of living in Ardsley is 63% higher than the New York average
The cost of living in Ardsley is 91% higher than the national average
Ardsley housing is 274% 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

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$207,105	$17,259	$4,832	$6,214
Renters	$0	$0	$0	$0

A good way to judge both the affordability of the housing and the cost of living in Ardsley is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Ardsley has a median income of about $207,105 for people who own homes. Based on that number, a maximum of $4,832 should be spent on expenses related to housing. Renters have a slightly different median income, which is $0. Based on this average, renters should spend no more than $0 on all rental costs if they want to maintain a non-impoverished standard of living.

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%

Goods & Services

Item	Ardsley	National avg.	Difference
Haircut	$32.33	$24.26	33.3%
Beauty Salon	$48.56	$45.56	6.6%
Toothpaste	$3.66	$3.70	1.1%
Shampoo	$1.50	$1.28	17.4%
Movie	$13.76	$12.13	13.4%
Bowling	$19.63	$18.00	9.0%

Groceries

Item	Ardsley	National avg.	Difference
Ground Beef	$6.34	$5.84	8.6%
Fried Chicken	$1.61	$1.57	2.4%
Milk	$4.73	$4.67	1.2%
Potatoes	$5.03	$4.93	1.9%
Pizza	$10.07	$12.09	16.7%
Beer	$10.62	$10.41	2.0%

Health Care

Item	Ardsley	National avg.	Difference
Optometrist	$140.10	$125.68	11.5%
Doctor	$143.23	$135.78	5.5%
Dentist	$123.00	$113.29	8.6%
Ibuprofen	$11.00	$10.65	3.3%
Lipitor	$401.34	$468.60	14.4%

Housing

Item	Ardsley	National avg.	Difference
Home Price	$694,500.00	$184,700.00	276.0%
Avg. Mortgage Payment	$1,857.27	$2,346.69	20.9%
Apartment Rent	$3,501.00	$949.00	268.9%

Transportation

Item	Ardsley	National avg.	Difference
Gasoline	$3.33	$3.46	3.7%
Tire Balancing	$57.68	$59.92	3.7%

Utilities

Item	Ardsley	National avg.	Difference
All Electricity	$281.67	$193.99	45.2%
Phone	$185.16	$192.25	3.7%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Greenville CDP (Greene County), NY	604	106	6.1%
Mount Ivy, NY	7,390	122	21.6%
Haverstraw, NY	12,076	123	22.7%
West Haverstraw, NY	10,220	123	23.1%
Spring Valley, NY	32,295	127	27.2%
Ardsley, NY	4,533	191	90.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Ludlow, KY	4,532	92	8.2%
The Pinehills, MA	4,531	170	69.6%
Hayfield, VA	4,535	168	68.3%
Spring Lake Heights, NJ	4,530	150	50.2%
Bayside, WI	4,530	123	22.6%
Ardsley, NY	4,533	191	90.8%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Ardsley, NY