What is the cost of living in Herkimer, NY?
According to the most recent data on the cost of living, Herkimer has an overall cost of living index of 95, which is 0.9x lower than the national index of 100.
Compared to New York, Herkimer has a cost of living index that's 0.8x lower than New York's index of 121.
The standard of living in Herkimer ranks as #24 most affordable out of the 336 places we measured in New York. By definition, that implies Herkimer ranks as the #312 most expensive place in the Empire State.
For more reading on life in Herkimer, check out:
Herkimer Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Herkimer. Here is how it fares on each of the criteria:
The Services index in Herkimer is 108.
The Groceries index in Herkimer is 110.
The Health index in Herkimer is 57.
The Housing index in Herkimer is 116.
The Transportation index in Herkimer is 111.
The Utilities index in Herkimer is 114.
| Living Expense | Herkimer | New York | National Average |
|---|---|---|---|
| Overall | 95 | 121 | 100 |
| Services | 108 | 105 | 100 |
| Groceries | 110 | 108 | 100 |
| Health | 57 | 143 | 100 |
| Housing | 116 | 112 | 100 |
| Transportation | 111 | 114 | 100 |
| Utilities | 114 | 111 | 100 |
Herkimer 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 Herkimer Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Herkimer, 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 Herkimer is $159,599.
The Median Rent in Herkimer is $821.
The Median Income in Herkimer is $48,529.
The Home Value To Income in Herkimer is 3.3x.
The Rent To Monthly Income in Herkimer is 0.2x.
Herkimer, NY Costs By Category
Detailed Herkimer Services costs vs. New York
Detailed Herkimer Groceries costs vs. New York
Detailed Herkimer Health costs vs. New York
Detailed Herkimer Transportation costs vs. New York
Herkimer SnackAbility
Cost Of Living In Cities Around Herkimer
The cost of living varies in the cities and towns around Herkimer. Here's a quick look at the cost of living in the most populous nearby places:
Utica, NY has a cost of living index of 97, 1.0x Herkimer.
Rome, NY has a cost of living index of 98, 1.0x Herkimer.
Amsterdam, NY has a cost of living index of 96, 1.0x Herkimer.
| City | Population | Cost Of Living | Vs. Herkimer |
|---|---|---|---|
| Utica, NY | 64,217 | 97 | 1.0x |
| Rome, NY | 31,795 | 98 | 1.0x |
| Amsterdam, NY | 18,166 | 96 | 1.0x |
| Oneonta, NY | 15,045 | 101 | 1.1x |
| Ilion, NY | 7,593 | 92 | 1.0x |
| Norwich, NY | 6,782 | 96 | 1.0x |
