Cost of Living in Newburgh, NY
Cost of Living in Newburgh, NY has an overall index of 88, 12% below the U.S. baseline of 100. The typical home value is $221,100; typical monthly rent is $1,363; and median household income is $51,006.
Cost index: committed city housing/rent inputs and BEA 2024 state nonmetro price parities. Home value: Census ACS 2023 fallback place estimate. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Rent and home prices are comparatively balanced with local income. This describes the local market, not your household.
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Frequently asked questions about Newburgh
Living in Newburgh
Is Newburgh, NY an affordable place to live?+
Yes — everyday expenses in Newburgh run about 12% below the US average (Cost Index: 88). Housing is especially affordable: the median home is valued around $221,100, compared to the $303,400 national median. Monthly rent is $1,363, versus $1,348 nationally.
How does Newburgh fit a household housing budget?+
Start with housing. Typical monthly rent is $1,363, while local median household income is $51,006. That implies a rent-burden proxy of about 32% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Newburgh, NY?+
New York uses a progressive model; 10.9% is top marginal-rate context. Applying the 1.72% state-level effective owner-occupied proxy to a home worth $221,100 gives a planning estimate near $3,803 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 8.52%.
How much does it cost to rent in Newburgh, NY?+
The typical monthly rent in Newburgh is around $1,363. That's close to the $1,348 national median. For comparison, the median home value here is $221,100, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Newburgh, NY?+
The typical home value in Newburgh is $221,100. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $1,073/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 35% of residents here own their homes.
Are groceries and utilities expensive in Newburgh?+
Grocery prices in Newburgh are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Newburgh, NY like to live in?+
Newburgh is a small town with a population of about 28,649. The median age of residents is 31.7, skewing younger — often a sign of a college town or fast-growing area. The local poverty rate is 27.09%, above the national average of 12.4%.