What is the cost of living in Oyster Bay, NY?
According to the most recent data on the cost of living, Oyster Bay has an overall cost of living index of 160, which is 1.6x higher than the national index of 100.
Compared to New York, Oyster Bay has a cost of living index that's 1.3x higher than New York's index of 121.
The standard of living in Oyster Bay ranks as #270 most affordable out of the 336 places we measured in New York. By definition, that implies Oyster Bay ranks as the #66 most expensive place in the Empire State.
For more reading on life in Oyster Bay, check out:
Oyster Bay Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Oyster Bay. Here is how it fares on each of the criteria:
The Services index in Oyster Bay is 106.
The Groceries index in Oyster Bay is 112.
The Health index in Oyster Bay is 273.
The Housing index in Oyster Bay is 113.
The Transportation index in Oyster Bay is 109.
The Utilities index in Oyster Bay is 107.
| Living Expense | Oyster Bay | New York | National Average |
|---|---|---|---|
| Overall | 160 | 121 | 100 |
| Services | 106 | 105 | 100 |
| Groceries | 112 | 108 | 100 |
| Health | 273 | 143 | 100 |
| Housing | 113 | 112 | 100 |
| Transportation | 109 | 114 | 100 |
| Utilities | 107 | 111 | 100 |
Oyster Bay 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 Oyster Bay Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Oyster Bay, 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 Oyster Bay is $1,016,656.
The Median Rent in Oyster Bay is $2,225.
The Median Income in Oyster Bay is $111,264.
The Home Value To Income in Oyster Bay is 9.1x.
The Rent To Monthly Income in Oyster Bay is 0.24x.
| Statistic | Oyster Bay | New York | United States |
|---|---|---|---|
| Median Home Value | $1,016,656 | $507,794 | $332,700 |
| Median Rent | $2,225 | $1,621 | $1,413 |
| Median Income | $111,264 | $85,974 | $80,734 |
| Home Value To Income | 9.1x | 5.9x | 4.1x |
| Rent To Monthly Income | 0.24x | 0.23x | 0.21x |
Oyster Bay, NY Costs By Category
Detailed Oyster Bay Services costs vs. New York
| Item | Oyster Bay | New York |
|---|---|---|
| Shampoo | $1.5 | $1.28 |
| Movie | $13.76 | $12.13 |
| Bowling | $19.63 | $18 |
| Haircut | $32.33 | $24.26 |
| Beauty Salon | $48.56 | $45.56 |
Detailed Oyster Bay Groceries costs vs. New York
| Item | Oyster Bay | New York |
|---|---|---|
| Ground Beef | $6.34 | $5.84 |
| Fried Chicken | $1.61 | $1.57 |
| Milk | $4.73 | $4.67 |
| Potatoes | $5.03 | $4.93 |
| Pizza | $10.07 | $12.09 |
| Beer | $10.62 | $10.41 |
| Toothpaste | $3.66 | $3.7 |
Detailed Oyster Bay Health costs vs. New York
| Item | Oyster Bay | New York |
|---|---|---|
| Optometrist | $140.1 | $125.68 |
| Doctor | $143.23 | $135.78 |
| Dentist | $123.0 | $113.29 |
Detailed Oyster Bay Transportation costs vs. New York
| Item | Oyster Bay | New York |
|---|---|---|
| Gasoline | $3.33 | $3.46 |
| Tire Balancing | $57.68 | $59.92 |
Detailed Oyster Bay Utilities costs vs. New York
| Item | Oyster Bay | New York |
|---|---|---|
| All Electricity | $281.67 | $193.99 |
| Phone | $185.16 | $192.25 |
Oyster Bay SnackAbility
Cost Of Living In Cities Around Oyster Bay
The cost of living varies in the cities and towns around Oyster Bay. Here's a quick look at the cost of living in the most populous nearby places:
Levittown, NY has a cost of living index of 142, 0.9x Oyster Bay.
Plainview, NY has a cost of living index of 166, 1.0x Oyster Bay.
Merrick, NY has a cost of living index of 163, 1.0x Oyster Bay.
| City | Population | Cost Of Living | Vs. Oyster Bay |
|---|---|---|---|
| Levittown, NY | 51,904 | 142 | 0.9x |
| Plainview, NY | 25,982 | 166 | 1.0x |
| Merrick, NY | 21,744 | 163 | 1.0x |
| Massapequa, NY | 21,389 | 165 | 1.0x |
| Syosset, NY | 18,433 | 180 | 1.1x |
| Woodmere, NY | 18,061 | 186 | 1.2x |
| Massapequa Park, NY | 16,963 | 158 | 1.0x |
| Malverne, NY | 8,477 | 151 | 0.9x |
| Bronxville, NY | 6,510 | 235 | 1.5x |
| Pelham Manor, NY | 5,644 | 196 | 1.2x |
