F
56%
Overall NAT. AVG.
13%
Goods & Services NAT. AVG.
158%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
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 Commack New York National
Cost of living156117100
Goods & Services113108100
Groceries105102100
Health care110103100
Housing258145100
Transportation102105100
Utilities131100100

An Overview of Cost of Living in Commack, NY

Are you thinking about relocating, but curious about the potential cost of living in Commack? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Commack stands at 156, making it 56% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

If you value affordability in your search for a new place to live, Commack may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Commack falls into this category, which may not align with your desire for an affordable place to call home.

Housing costs are a major factor in the Commack cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 158.2% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Goods and services make up 33% of the total cost of living index score and are a large part of your everyday expenses. These items could include things like haircuts, salons, toothpaste, shampoo, clothes, movies, bowling, gym memberships or yoga. In Commack, you can expect to pay 12.9% more than average for these items, making it a more expensive place to live.

Is Commack Affordable?

Wondering if Commack is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Commack, for example, the median home price is 183.4% higher than what folks pay nationally, and monthly rent is 99.6% higher than the usual rates. Plus, income levels matter too, with Commack boasting a median household income of $144,825, which is 161.8% higher than the national average.

What Factors can Influence the Cost of Living in Commack?

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Commack, the prevailing sales tax rate starts at 4%, and income tax rates kick off at 4%.

Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Commack, the groceries index is 5.4% higher than the national average.

Where is the Data From?

The Commack cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Commack is 34% higher than the New York average
  • The cost of living in Commack is 56% higher than the national average
  • Commack housing is 158% 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 Commack

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Compare Commack, NY Cost of Living

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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
      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$153,490$12,791$3,581$4,605
      Renters$54,042$4,504$1,261$1,621
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Commack, NY, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Commack, homeowners have a median income of $153,490. Using that number, a maximum of $3,581 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $54,042, which means there is a maximum of $1,261 to be spent on the costs of renting a home or apartment.

      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 Commack National avg. Difference
      Haircut $32.33$24.2633.3%
      Beauty Salon $48.56$45.566.6%
      Toothpaste $3.66$3.701.1%
      Shampoo $1.50$1.2817.4%
      Movie $13.76$12.1313.4%
      Bowling $19.63$18.009.0%

      Groceries

      Item Commack National avg. Difference
      Ground Beef $6.34$5.848.6%
      Fried Chicken $1.61$1.572.4%
      Milk $4.73$4.671.2%
      Potatoes $5.03$4.931.9%
      Pizza $10.07$12.0916.7%
      Beer $10.62$10.412.0%

      Health Care

      Item Commack National avg. Difference
      Optometrist $140.10$125.6811.5%
      Doctor $143.23$135.785.5%
      Dentist $123.00$113.298.6%
      Ibuprofen $11.00$10.653.3%
      Lipitor $401.34$468.6014.4%

      Housing

      Item Commack National avg. Difference
      Home Price $523,400.00$184,700.00183.4%
      Avg. Mortgage Payment $1,857.27$2,346.6920.9%
      Apartment Rent $1,894.00$949.0099.6%

      Transportation

      Item Commack National avg. Difference
      Gasoline $3.33$3.463.7%
      Tire Balancing $57.68$59.923.7%

      Utilities

      Item Commack National avg. Difference
      All Electricity $281.67$193.9945.2%
      Phone $185.16$192.253.7%
      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.
      Stony Brook University, NY8,57411212.4%
      Ocean Beach, NY3111212.4%
      Saltaire, NY2511212.4%
      Wyandanch, NY11,63212726.6%
      Central Islip, NY33,59113029.6%
      Commack, NY36,90315656.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lima, OH36,9088911.5%
      Winter Springs, FL36,85911110.5%
      Lake Worth, FL36,838981.6%
      Beloit, WI36,8048415.7%
      Hilliard, OH37,0231088.0%
      Commack, NY36,90315656.1%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.