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New York

Cost of living in Franklin County, NY

Estimated monthly cost
$2,963/mo
for a single person, all categories combined

Population 47,066 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $824 28%
Federal tax $500 17%
Healthcare $480 16%
Groceries $404 14%
Transport $320 11%
Energy $208 7%
State tax $172 6%
Water $55 2%

Rent in Franklin County

Fair Market Rents by bedroom count.

Studio
$674
per month
1 bedroom
$824
per month
2 bedroom
$983
per month
3 bedroom
$1,239
per month
4 bedroom
$1,430
per month

Source: HUD FMR FY2025

Income and earnings in Franklin County

Annual earnings figures from the Census ACS.

Household income
$63,747
per year
Individual earnings
$40,604
per year
Per capita
$31,801
per year

Source: ACS 2019-2023 5-Year.

Home values in Franklin County

Average values reported by homeowners.

Average home value
$128,600
Annual property tax
$2,418

Source: ACS 2019-2023 5-Year

Energy costs in Franklin 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 Franklin County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.6%

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 Franklin 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 Franklin County

Commute patterns and estimated costs.

Average commute
20.1 min
Drive alone
76.0%
Public transit
0.9%
Work from home
6.4%

Source: ACS

Monthly cost estimates for Franklin County

What it costs to live in Franklin County each month.

Single person
$2,963
per month
  • Rent $824
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $500
  • State tax $172
Couple
$4,242
per month
  • Rent $983
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $713
  • State tax $278
Family
$6,703
per month
  • Rent $1,239
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $713
  • State tax $278

Frequently asked questions about Franklin County

Common questions about cost of living, rent and salary.

What is the average rent in Franklin County?

In Franklin County, NY, a one-bedroom apartment averages $824 per month, a two-bedroom averages $983 per month, a three-bedroom averages $1,239 per month, according to HUD Fair Market Rent data.

What is the average salary in Franklin County?

In Franklin County, NY, the average household income is $63,747 per year and individual earnings for full-time workers average $40,604 per year, according to U.S. Census Bureau data.

What is the cost of living in Franklin County?

The estimated cost of living in Franklin County, NY is approximately $2,963 per month for a single person, $4,242 for a couple, $6,703 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Franklin County?

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

Is Franklin County an affordable place to live?

Based on the data, a single person in Franklin County, NY would need approximately $2,963 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,747 per year ($5,312 per month). Franklin County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Franklin County?

The ACA marketplace benchmark premium in Franklin County, NY is approximately $480 per month for an individual. Approximately 6.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Franklin County?

The average home value in Franklin County, NY is $128,600, with average annual property taxes of $2,418, according to U.S. Census Bureau data.

How does Franklin County compare to other areas?

You can compare Franklin County, NY with any other US county using our comparison tool at /compare. Franklin 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 Franklin 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