A
10%
Overall NAT. AVG.
8%
Goods & Services NAT. AVG.
54%
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 Ogdensburg New York National
Cost of living90117100
Goods & Services108108100
Groceries105102100
Health care106103100
Housing46145100
Transportation107105100
Utilities121100100

An Overview of Cost of Living in Ogdensburg, NY

Knowing the cost of living in Ogdensburg allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Ogdensburg stands at 90, marking it 10% lower than the national average.

It's not uncommon for housing expenses to eat up a substantial portion of your income, oten exceeding 30%. The good news is that Ogdensburg stands out by reporting housing costs that are 54.4% lower than the national average. This signifies that both homeownership and rental expenses in this region are considerably more affordable compared to the rest of the country. This favorable housing situation allows residents to allocate a more manageable portion of their income to housing, resulting in greater financial flexibility.

Is Ogdensburg Affordable?

Is Ogdensburg an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Ogdensburg is 61.5% lower than the national average, while the average monthly rent prices are 37.7% lower than average. The affordability of any location can also be influenced by median income levels. Ogdensburg has a median household income of $50,166, which is 9.3% lower than the national average.

What Factors can Influence the Cost of Living in Ogdensburg?

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In Ogdensburg, healthcare costs are 6% higher than the national average.

Utilities: Similar to the prices of any other goods or services, utility expenditures can exhibit substantial variability, influenced by factors such as climate, energy sources accessibility, geographical location and state regulations. Costs related to electricity, water, heating, and waste disposal can fluctuate, whether higher or lower, contingent on the city or state. In Ogdensburg, the utilities index is 20.8% higher than the national average.

Where is the Data From?

The cost of living data in Ogdensburg displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

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Cost Of Living Quick Facts

  • The cost of living in Ogdensburg is 23% lower than the New York average
  • The cost of living in Ogdensburg is 10% lower than the national average
  • Ogdensburg housing is 54% 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 Ogdensburg

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Compare Ogdensburg, 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$63,708$5,309$1,486$1,911
      Renters$19,705$1,642$460$591
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ogdensburg, 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 Ogdensburg, homeowners have a median income of $63,708. Using that number, a maximum of $1,486 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $19,705, which means there is a maximum of $460 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 Ogdensburg National avg. Difference
      Haircut $26.98$24.2611.2%
      Beauty Salon $46.44$45.561.9%
      Toothpaste $3.73$3.700.8%
      Shampoo $1.23$1.283.9%
      Movie $11.94$12.131.6%
      Bowling $15.67$18.0013.0%

      Groceries

      Item Ogdensburg National avg. Difference
      Ground Beef $5.76$5.841.4%
      Fried Chicken $1.72$1.579.6%
      Milk $4.82$4.673.1%
      Potatoes $4.97$4.930.7%
      Pizza $12.05$12.090.3%
      Beer $10.01$10.413.9%

      Health Care

      Item Ogdensburg National avg. Difference
      Optometrist $141.67$125.6812.7%
      Doctor $152.78$135.7812.5%
      Dentist $130.83$113.2915.5%
      Ibuprofen $10.78$10.651.2%
      Lipitor $371.02$468.6020.8%

      Housing

      Item Ogdensburg National avg. Difference
      Home Price $71,100.00$184,700.0061.5%
      Avg. Mortgage Payment $3,072.44$2,346.6930.9%
      Apartment Rent $591.00$949.0037.7%

      Transportation

      Item Ogdensburg National avg. Difference
      Gasoline $3.59$3.463.8%
      Tire Balancing $68.60$59.9214.5%

      Utilities

      Item Ogdensburg National avg. Difference
      All Electricity $262.67$193.9935.4%
      Phone $186.03$192.253.2%
      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.
      DeKalb Junction, NY5358911.3%
      Heuvelton, NY659936.9%
      Rensselaer Falls, NY406946.1%
      Morristown, NY3481000.1%
      Canton, NY6,4861022.0%
      Ogdensburg, NY10,5599010.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Vermilion, OH10,559918.9%
      Atchison, KS10,5618416.5%
      Gateway, FL10,55211919.2%
      Marinette, WI10,5668416.0%
      Monroe, WI10,573973.3%
      Ogdensburg, NY10,5599010.2%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.