What is the cost of living in Garden City, NY?
According to the most recent data on the cost of living, Garden City has an overall cost of living index of 206, which is 2.1x higher than the national index of 100.
Compared to New York, Garden City has a cost of living index that's 1.7x higher than New York's index of 121.
The standard of living in Garden City ranks as #328 most affordable out of the 336 places we measured in New York. By definition, that implies Garden City ranks as the #8 most expensive place in the Empire State.
For more reading on life in Garden City, check out:
Garden City Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Garden City. Here is how it fares on each of the criteria:
The Services index in Garden City is 108.
The Groceries index in Garden City is 109.
The Health index in Garden City is 438.
The Housing index in Garden City is 111.
The Transportation index in Garden City is 113.
The Utilities index in Garden City is 106.
| Living Expense | Garden City | New York | National Average |
|---|---|---|---|
| Overall | 206 | 121 | 100 |
| Services | 108 | 105 | 100 |
| Groceries | 109 | 108 | 100 |
| Health | 438 | 143 | 100 |
| Housing | 111 | 112 | 100 |
| Transportation | 113 | 114 | 100 |
| Utilities | 106 | 111 | 100 |
Garden City Cost Of Living Compared To New York Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New York, check out:
Protect your home budget Compare home warranties in Garden City Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Garden City, NY Housing Cost Breakdown
Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Garden City is $1,338,517.
The Median Rent in Garden City is $3,265.
The Median Income in Garden City is $244,152.
The Home Value To Income in Garden City is 5.5x.
The Rent To Monthly Income in Garden City is 0.16x.
| Statistic | Garden City | New York | United States |
|---|---|---|---|
| Median Home Value | $1,338,517 | $507,794 | $332,700 |
| Median Rent | $3,265 | $1,621 | $1,413 |
| Median Income | $244,152 | $85,974 | $80,734 |
| Home Value To Income | 5.5x | 5.9x | 4.1x |
| Rent To Monthly Income | 0.16x | 0.23x | 0.21x |
Garden City, NY Costs By Category
Detailed Garden City Services costs vs. New York
| Item | Garden City | New York |
|---|---|---|
| Shampoo | $1.69 | $1.28 |
| Movie | $13.68 | $12.13 |
| Bowling | $29.4 | $18 |
| Haircut | $34.94 | $24.26 |
| Beauty Salon | $64.07 | $45.56 |
Detailed Garden City Groceries costs vs. New York
| Item | Garden City | New York |
|---|---|---|
| Ground Beef | $5.87 | $5.84 |
| Fried Chicken | $1.46 | $1.57 |
| Milk | $4.97 | $4.67 |
| Potatoes | $5.21 | $4.93 |
| Pizza | $12.57 | $12.09 |
| Beer | $11.87 | $10.41 |
| Toothpaste | $3.96 | $3.7 |
Detailed Garden City Health costs vs. New York
| Item | Garden City | New York |
|---|---|---|
| Optometrist | $128.97 | $125.68 |
| Doctor | $162.24 | $135.78 |
| Dentist | $149.64 | $113.29 |
Detailed Garden City Transportation costs vs. New York
| Item | Garden City | New York |
|---|---|---|
| Gasoline | $3.55 | $3.46 |
| Tire Balancing | $86.43 | $59.92 |
Detailed Garden City Utilities costs vs. New York
| Item | Garden City | New York |
|---|---|---|
| All Electricity | $201.27 | $193.99 |
| Phone | $200.67 | $192.25 |
