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New York

Cost of living in Chenango County, NY

Estimated monthly cost
$2,975/mo
for a single person, all categories combined

Population 46,685 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $820 28%
Federal tax $512 17%
Healthcare $480 16%
Groceries $404 14%
Transport $320 11%
Energy $208 7%
State tax $176 6%
Water $55 2%

Rent in Chenango County

Fair Market Rents by bedroom count.

Studio
$754
per month
1 bedroom
$820
per month
2 bedroom
$938
per month
3 bedroom
$1,292
per month
4 bedroom
$1,418
per month

Source: HUD FMR FY2025

Income and earnings in Chenango County

Annual earnings figures from the Census ACS.

Household income
$62,093
per year
Individual earnings
$41,380
per year
Per capita
$32,986
per year

Source: ACS 2019-2023 5-Year.

Home values in Chenango County

Average values reported by homeowners.

Average home value
$128,100
Annual property tax
$3,061

Source: ACS 2019-2023 5-Year

Energy costs in Chenango 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 Chenango County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.4%

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 Chenango 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 Chenango County

Commute patterns and estimated costs.

Average commute
22.6 min
Drive alone
79.8%
Public transit
0.0%
Work from home
8.4%

Source: ACS

Monthly cost estimates for Chenango County

What it costs to live in Chenango County each month.

Single person
$2,975
per month
  • Rent $820
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $512
  • State tax $176
Couple
$4,163
per month
  • Rent $938
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $686
  • State tax $271
Family
$6,722
per month
  • Rent $1,292
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $686
  • State tax $271

Frequently asked questions about Chenango County

Common questions about cost of living, rent and salary.

What is the average rent in Chenango County?

In Chenango County, NY, a one-bedroom apartment averages $820 per month, a two-bedroom averages $938 per month, a three-bedroom averages $1,292 per month, according to HUD Fair Market Rent data.

What is the average salary in Chenango County?

In Chenango County, NY, the average household income is $62,093 per year and individual earnings for full-time workers average $41,380 per year, according to U.S. Census Bureau data.

What is the cost of living in Chenango County?

The estimated cost of living in Chenango County, NY is approximately $2,975 per month for a single person, $4,163 for a couple, $6,722 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Chenango County?

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

Is Chenango County an affordable place to live?

Based on the data, a single person in Chenango County, NY would need approximately $2,975 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $62,093 per year ($5,174 per month). Chenango County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Chenango County?

The ACA marketplace benchmark premium in Chenango County, NY is approximately $480 per month for an individual. Approximately 3.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Chenango County?

The average home value in Chenango County, NY is $128,100, with average annual property taxes of $3,061, according to U.S. Census Bureau data.

How does Chenango County compare to other areas?

You can compare Chenango County, NY with any other US county using our comparison tool at /compare. Chenango County is in New York.

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 Chenango County with another area

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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