What is the cost of living in Middletown, NY?
According to the most recent data on the cost of living, Middletown has an overall cost of living index of 111, which is 1.1x higher than the national index of 100.
Compared to New York, Middletown has a cost of living index that's 0.9x lower than New York's index of 121.
The standard of living in Middletown ranks as #93 most affordable out of the 336 places we measured in New York. By definition, that implies Middletown ranks as the #243 most expensive place in the Empire State.
For more reading on life in Middletown, check out:
Middletown Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Middletown. Here is how it fares on each of the criteria:
The Services index in Middletown is 106.
The Groceries index in Middletown is 109.
The Health index in Middletown is 114.
The Housing index in Middletown is 112.
The Transportation index in Middletown is 111.
The Utilities index in Middletown is 108.
| Living Expense | Middletown | New York | National Average |
|---|---|---|---|
| Overall | 111 | 121 | 100 |
| Services | 106 | 105 | 100 |
| Groceries | 109 | 108 | 100 |
| Health | 114 | 143 | 100 |
| Housing | 112 | 112 | 100 |
| Transportation | 111 | 114 | 100 |
| Utilities | 108 | 111 | 100 |
Middletown 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 Middletown Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Middletown, 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 Middletown is $402,620.
The Median Rent in Middletown is $1,661.
The Median Income in Middletown is $79,346.
The Home Value To Income in Middletown is 5.1x.
The Rent To Monthly Income in Middletown is 0.25x.
| Statistic | Middletown | New York | United States |
|---|---|---|---|
| Median Home Value | $402,620 | $507,794 | $332,700 |
| Median Rent | $1,661 | $1,621 | $1,413 |
| Median Income | $79,346 | $85,974 | $80,734 |
| Home Value To Income | 5.1x | 5.9x | 4.1x |
| Rent To Monthly Income | 0.25x | 0.23x | 0.21x |
Middletown, NY Costs By Category
Detailed Middletown Services costs vs. New York
| Item | Middletown | New York |
|---|---|---|
| Shampoo | $1.53 | $1.28 |
| Movie | $10.2 | $12.13 |
| Bowling | $13.92 | $18 |
| Haircut | $15.07 | $24.26 |
| Beauty Salon | $34.93 | $45.56 |
Detailed Middletown Groceries costs vs. New York
| Item | Middletown | New York |
|---|---|---|
| Ground Beef | $5.7 | $5.84 |
| Fried Chicken | $1.36 | $1.57 |
| Milk | $4.59 | $4.67 |
| Potatoes | $5.35 | $4.93 |
| Pizza | $9.94 | $12.09 |
| Beer | $11.82 | $10.41 |
| Toothpaste | $3.62 | $3.7 |
Detailed Middletown Health costs vs. New York
| Item | Middletown | New York |
|---|---|---|
| Optometrist | $107.51 | $125.68 |
| Doctor | $98.82 | $135.78 |
| Dentist | $136.17 | $113.29 |
Detailed Middletown Transportation costs vs. New York
| Item | Middletown | New York |
|---|---|---|
| Gasoline | $3.64 | $3.46 |
| Tire Balancing | $42.06 | $59.92 |
Detailed Middletown Utilities costs vs. New York
| Item | Middletown | New York |
|---|---|---|
| All Electricity | $205.85 | $193.99 |
| Phone | $196.0 | $192.25 |
Middletown SnackAbility
Cost Of Living In Cities Around Middletown
The cost of living varies in the cities and towns around Middletown. Here's a quick look at the cost of living in the most populous nearby places:
O'Fallon, MO has a cost of living index of 105, 0.9x Middletown.
St. Peters, MO has a cost of living index of 97, 0.9x Middletown.
Wentzville, MO has a cost of living index of 105, 0.9x Middletown.
| City | Population | Cost Of Living | Vs. Middletown |
|---|---|---|---|
| O'Fallon, MO | 93,801 | 105 | 0.9x |
| St. Peters, MO | 59,092 | 97 | 0.9x |
| Wentzville, MO | 47,061 | 105 | 0.9x |
| Lake St. Louis, MO | 18,066 | 109 | 1.0x |
| Washington, MO | 15,130 | 94 | 0.8x |
| Troy, MO | 13,947 | 95 | 0.9x |
| Dardenne Prairie, MO | 13,503 | 115 | 1.0x |
| Fulton, MO | 12,617 | 91 | 0.8x |
| Mexico, MO | 11,477 | 85 | 0.8x |
