Cost Of Living in Gardnertown, 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	Gardnertown	New York	National
Cost of living	118	117	100
Goods & Services	113	108	100
Groceries	105	102	100
Health care	110	103	100
Housing	132	145	100
Transportation	102	105	100
Utilities	131	100	100

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Cost Of Living Quick Facts

The cost of living in Gardnertown is 1% higher than the New York average
The cost of living in Gardnertown is 18% higher than the national average
Gardnertown housing is 32% 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	$91,714	$7,643	$2,140	$2,752
Renters	$81,042	$6,754	$1,891	$2,432

The affordability of the housing market in Gardnertown, NY as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Gardnertown homeowners, the median income is $91,714. This indicates that a monthly maximum of $2,140 should be spent by homeowners on all housing related costs. Renters have a median income of $81,042. This indicates that renters would have a maximum of $1,891 for their rent related monthly costs.

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	Gardnertown	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	Gardnertown	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	Gardnertown	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	Gardnertown	National avg.	Difference
Home Price	$216,800.00	$184,700.00	17.4%
Avg. Mortgage Payment	$1,857.27	$2,346.69	20.9%
Apartment Rent	$1,575.00	$949.00	66.0%

Transportation

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

Utilities

Item	Gardnertown	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.
Newburgh, NY	28,146	108	7.6%
Maybrook, NY	3,586	109	8.8%
Mountain Lodge Park, NY	2,824	112	12.4%
Poughkeepsie, NY	30,341	113	12.6%
Freedom Plains, NY	697	113	12.6%
Gardnertown, NY	4,011	118	18.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Shackle Island, TN	4,010	117	16.8%
Ovilla, TX	4,010	119	18.8%
Wright City, MO	4,012	91	9.2%
Esparto, CA	4,009	129	28.8%
Nassau Bay, TX	4,009	111	10.8%
Gardnertown, NY	4,011	118	18.3%

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 Gardnertown, NY