Cost of Living in New windsor, NY
New windsor cost of living index: 97.9 (below the US average). Median home price: $475,000.
Updated 2026 • Based on 1 local zip code
📍 Some data sourced from nearby metro area
% below the national average
Housing
Data from 1 zip code
Housing costs in New windsor, NY based on real market data from 1 local zip code.
Considering a move to New windsor, NY? With a housing index of 103.3, it indicates a moderately expensive market compared to other regions. The median home price stands at 475000.0, suggesting that purchasing a home here requires a solid financial foundation. Renting appears to be less affordable, as the average rent for a 2-bedroom apartment is 2350.0 and for a house, it's . Researching local amenities, schools, and employment opportunities is also vital, as they can significantly impact your living experience and long-term investment potential.
Last updated: January 2026
Utilities
The cost of utilities such as electricity, natural gas, and other services can significantly impact the overall cost of living.
Living in New windsor, NY could entail variable utility costs. Electricity costs sit at $26.08, while natural gas is priced at $18.13 per Thousand Cubic Feet. Expect to budget about $133.9 monthly for other services like water and garbage.
Cost Breakdown by Category
Local Income & Economy in New windsor, NY
How far does your money go in New windsor? Understanding the relationship between income and cost of living is key to evaluating affordability.
How We Calculate Adjusted Purchasing Power in New windsor
The adjusted purchasing power shows what a New windsor, NY household income is actually worth after accounting for local prices. We calculate it using the formula: Purchasing Power = Median Income ÷ Cost of Living Index × 100
For New windsor, that's $80,000 ÷ 97.9 × 100 = $81,716. This means a household earning the median income in New windsor has the equivalent buying power of $81,716 in a city where the cost of living index equals the national baseline of 100.
With a cost of living index of 97.9, New windsor is more affordable than the national average. The median household income of $80,000 effectively stretches to $81,716 in purchasing power — meaning everyday expenses like housing, groceries, and utilities cost less here. This makes New windsor, NY an attractive destination for budget-conscious families, remote workers, and retirees looking to maximize their income.
Housing is particularly affordable, with a median home price of $475,000. Renters and first-time homebuyers in New windsor benefit from lower monthly costs compared to national averages, leaving more room in the budget for savings and quality of life.
💡 Purchasing power is calculated by dividing the local median household income by the cost of living index and multiplying by 100. A result higher than the nominal income means your money goes further; a lower result means local prices erode your earnings. The US baseline cost of living index is 100.
Pros & Cons of Living in New windsor
Pros
- • Lower population density
- • Growing dining options
- • Friendly community atmosphere
- • Good for families with kids
- • Access to outdoor activities
- • Proximity to urban amenities
- • Strong sense of community pride
- • Active local events calendar
- • Historic sites and parks nearby
- • Diverse cultural events available
Cons
- • Job market is somewhat stagnant
- • Few kids activities available
- • Political divide in community
- • Lack of diverse job opportunities
- • Limited nightlife options
- • Some areas have racial tension
- • High cost of living
- • Schools underfunded/overcrowded
- • Higher than average crime rate
- • Limited public transport options
💡City Insights
New windsor scores 6/10 for affordability, 5/10 for safety, and 5/10 for family-friendliness — an good overall profile.
Frequently Asked Questions
What is the cost of living in New windsor, NY? ▼
The cost of living in New windsor, NY is 2% lower than the national average, with a cost of living index of 98 (where 100 represents the U.S. average). Housing typically accounts for the largest portion of living expenses. See full cost of living breakdown →
How much does it cost to buy or rent a home in New windsor, NY? ▼
In New windsor, NY, The median home price is $475,000. requiring approximately $144,643 annual income to afford. Average rent is $2,350/month (requiring ~$94,000/year income). The local median household income is $80,000, making homeownership challenging for typical residents. Explore New windsor real estate data →
Is New windsor, NY a safe place to live? ▼
New windsor, NY is average in terms of safety, with crime rates near the national average. Safety varies significantly by neighborhood. View detailed New windsor crime statistics →
What salary do you need to live comfortably in New windsor, NY? ▼
To live comfortably in New windsor, NY and afford a median-priced home of $475,000, you would typically need a household income of $118,750 to $148,438 per year. The local median household income is $80,000. Renting requires approximately $94,000/year (at $2,350/month). See full affordability analysis →
What are the best neighborhoods in New windsor, NY? ▼
The best neighborhoods in New windsor, NY depend on your priorities. For families, look for areas near top-rated schools with lower crime rates. For affordability, neighborhoods farther from the city center tend to offer more affordable options.
How are the taxes in New windsor, NY? ▼
Tax rates in New windsor, NY include state and local components. The cost of living index of 98 reflects a moderate cost environment compared to the national average. View detailed New windsor tax information →
How does New windsor, NY compare to nearby cities? ▼
New windsor, NY offers a more affordable alternative to nearby communities. With a cost of living index of 98, median home prices of $475,000, and a crime rate of 0 per 1,000 residents, you can compare these metrics side-by-side. Use the compare feature to evaluate specific cities.
What is the weather like in New windsor, NY? ▼
Weather in New windsor, NY varies by season. Climate data varies by season. View detailed New windsor climate & environment data →
What factors affect cost of living in New windsor, NY? ▼
The main factors affecting cost of living in New windsor, NY include housing costs (the biggest factor), utilities, groceries, transportation, and healthcare. Local taxes and the overall economic conditions also play a role.
Housing Costs by Zip Code
Detailed housing data across 1 zip code in New windsor, NY.
| Zip Code | Median Home Price | Avg Rent | 2BR Rent | For Sale | For Rent |
|---|---|---|---|---|---|
| 12553 | $475,000 | $2,433/mo | $2,350/mo | 60 | 25 |
Explore More About New windsor, NY
📅 Last Updated: January 2026
Sources: U.S. Census Bureau (ACS), Bureau of Labor Statistics, Council for Community and Economic Research (C2ER), Zillow, Redfin