Skip to main content
LiveWhere us
Auburn, NY

Cost of living in Cayuga County, NY

Estimated monthly cost
$2,991/mo
for a single person, all categories combined

Population 75,464 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $826 28%
Federal tax $520 17%
Healthcare $480 16%
Groceries $404 14%
Transport $320 11%
Energy $208 7%
State tax $178 6%
Water $55 2%

Rent in Cayuga County

Fair Market Rents by bedroom count.

Studio
$820
per month
1 bedroom
$826
per month
2 bedroom
$1,066
per month
3 bedroom
$1,363
per month
4 bedroom
$1,588
per month

Source: HUD FMR FY2025

Income and earnings in Cayuga County

Annual earnings figures from the Census ACS.

Household income
$66,583
per year
Individual earnings
$41,855
per year
Per capita
$36,547
per year

Source: ACS 2019-2023 5-Year.

Home values in Cayuga County

Average values reported by homeowners.

Average home value
$164,200
Annual property tax
$3,747

Source: ACS 2019-2023 5-Year

Energy costs in Cayuga County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Cayuga County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Cayuga County

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Cayuga County

Commute patterns and estimated costs.

Average commute
22.9 min
Drive alone
79.9%
Public transit
0.5%
Work from home
6.6%

Source: ACS

Monthly cost estimates for Cayuga County

What it costs to live in Cayuga County each month.

Single person
$2,991
per month
  • Rent $826
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $520
  • State tax $178
Couple
$4,385
per month
  • Rent $1,066
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $760
  • State tax $291
Family
$6,887
per month
  • Rent $1,363
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $760
  • State tax $291

Frequently asked questions about Cayuga County

Common questions about cost of living, rent and salary.

What is the average rent in Cayuga County?

In Cayuga County, NY, a one-bedroom apartment averages $826 per month, a two-bedroom averages $1,066 per month, a three-bedroom averages $1,363 per month, according to HUD Fair Market Rent data.

What is the average salary in Cayuga County?

In Cayuga County, NY, the average household income is $66,583 per year and individual earnings for full-time workers average $41,855 per year, according to U.S. Census Bureau data.

What is the cost of living in Cayuga County?

The estimated cost of living in Cayuga County, NY is approximately $2,991 per month for a single person, $4,385 for a couple, $6,887 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Cayuga County?

The combined sales tax rate in Cayuga County, NY is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Cayuga County an affordable place to live?

Based on the data, a single person in Cayuga County, NY would need approximately $2,991 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $66,583 per year ($5,549 per month). Cayuga County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Cayuga County?

The ACA marketplace benchmark premium in Cayuga County, NY is approximately $480 per month for an individual. Approximately 4.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Cayuga County?

The average home value in Cayuga County, NY is $164,200, with average annual property taxes of $3,747, according to U.S. Census Bureau data.

How does Cayuga County compare to other areas?

You can compare Cayuga County, NY with any other US county using our comparison tool at /compare. Cayuga County is in the Auburn, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

See all counties in New York

Compare Cayuga County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources