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Scotia, NY Cost Of Living

The latest cost of living statistics for Scotia. Includes statistics on rent, mortgages, healthcare, and other costs for Scotia compared to the state and national averages.

Chris Kolmar
Written by
HomeSnacks
Last updated
2026-06-20

Cost of living in Scotia, New York

Cost of living in Scotia research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Scotia is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in New York, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

103 Cost of living index 1.0x higher vs US
#70 Cheapest in New York (of 336)
#2,859 Cheapest in the U.S. (of 6,489)
$249,645 Median home value
$1,031 Median rent
$76,525 Median income
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What is the cost of living in Scotia, NY?

According to the most recent data on the cost of living, Scotia has an overall cost of living index of 103, which is 1.0x higher than the national index of 100.

Compared to New York, Scotia has a cost of living index that's 0.9x lower than New York's index of 121.

The standard of living in Scotia ranks as #70 most affordable out of the 336 places we measured in New York. By definition, that implies Scotia ranks as the #266 most expensive place in the Empire State.

For more reading on life in Scotia, check out:

Scotia Cost Of Living Vs. New York

Six factors go into calculating the cost of living index in Scotia. Here is how it fares on each of the criteria:

  • The Services index in Scotia is 105.

  • The Groceries index in Scotia is 112.

  • The Health index in Scotia is 86.

  • The Housing index in Scotia is 113.

  • The Transportation index in Scotia is 110.

  • The Utilities index in Scotia is 113.

Living Expense Scotia New York National Average
Overall 103 121 100
Services 105 105 100
Groceries 112 108 100
Health 86 143 100
Housing 113 112 100
Transportation 110 114 100
Utilities 113 111 100

Scotia Cost Of Living Compared To New York Averages

Services
Scotia 105
New York avg 105
Groceries
Scotia 112
New York avg 108
Health
Scotia 86
New York avg 143
Housing
Scotia 113
New York avg 112
Transportation
Scotia 110
New York avg 114
Utilities
Scotia 113
New York avg 111

Index where 100 = national average. Source: cost-of-living index 2026.

For more reading on cost of living around New York, check out:

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Source: Cost-of-living index 2026, normalized to US average = 100

Scotia, NY Housing Cost Breakdown

$249,645Median Home Value
$1,031Median Rent
$76,525Median Income

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 Scotia is $249,645.

  • The Median Rent in Scotia is $1,031.

  • The Median Income in Scotia is $76,525.

  • The Home Value To Income in Scotia is 3.3x.

  • The Rent To Monthly Income in Scotia is 0.16x.

Statistic Scotia New York United States
Median Home Value $249,645 $507,794 $332,700
Median Rent $1,031 $1,621 $1,413
Median Income $76,525 $85,974 $80,734
Home Value To Income 3.3x 5.9x 4.1x
Rent To Monthly Income 0.16x 0.23x 0.21x

Scotia, NY Costs By Category

Detailed Scotia Services costs vs. New York
Item Scotia New York
Shampoo $1.28 $1.28
Movie $13.08 $12.13
Bowling $15.96 $18
Haircut $28.28 $24.26
Beauty Salon $51.36 $45.56
Detailed Scotia Groceries costs vs. New York
Item Scotia New York
Ground Beef $6.06 $5.84
Fried Chicken $1.6 $1.57
Milk $4.85 $4.67
Potatoes $5.09 $4.93
Pizza $14.69 $12.09
Beer $10.9 $10.41
Toothpaste $3.74 $3.7
Detailed Scotia Health costs vs. New York
Item Scotia New York
Optometrist $132.47 $125.68
Doctor $111.33 $135.78
Dentist $111.69 $113.29
Detailed Scotia Transportation costs vs. New York
Item Scotia New York
Gasoline $3.55 $3.46
Tire Balancing $50.33 $59.92
Detailed Scotia Utilities costs vs. New York
Item Scotia New York
All Electricity $196.7 $193.99
Phone $195.71 $192.25

Scotia SnackAbility

6Overall SnackAbility
Jobs 8/10
Housing 7/10
Affordability 8.5/10
Diversity 6/10
Safety 8/10
Amenities 8.5/10
Education 8.5/10
Commute 7/10

Cost Of Living In Cities Around Scotia

The cost of living varies in the cities and towns around Scotia. Here's a quick look at the cost of living in the most populous nearby places:

  • Albany, NY has a cost of living index of 110, 1.1x Scotia.

  • Schenectady, NY has a cost of living index of 97, 0.9x Scotia.

  • Saratoga Springs, NY has a cost of living index of 135, 1.3x Scotia.

City Population Cost Of Living Vs. Scotia
Albany, NY 100,492 110 1.1x
Schenectady, NY 68,847 97 0.9x
Saratoga Springs, NY 28,631 135 1.3x
Rotterdam, NY 22,695 103 1.0x
Niskayuna, NY 21,227 124 1.2x
Cohoes, NY 18,159 104 1.0x
East Glenville, NY 11,914 114 1.1x
Rensselaer, NY 9,287 104 1.0x
Westmere, NY 8,334 121 1.2x
Colonie, NY 7,702 118 1.1x
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