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New York

Cost of living in Hamilton County, NY

Estimated monthly cost
$3,204/mo
for a single person, all categories combined

Population 5,102 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,013 32%
Federal tax $540 17%
Healthcare $480 15%
Groceries $404 13%
Transport $320 10%
Energy $208 6%
State tax $184 6%
Water $55 2%

Rent in Hamilton County

Fair Market Rents by bedroom count.

Studio
$1,006
per month
1 bedroom
$1,013
per month
2 bedroom
$1,329
per month
3 bedroom
$1,601
per month
4 bedroom
$1,762
per month

Source: HUD FMR FY2025

Income and earnings in Hamilton County

Annual earnings figures from the Census ACS.

Household income
$68,950
per year
Individual earnings
$43,103
per year
Per capita
$41,820
per year

Source: ACS 2019-2023 5-Year.

Home values in Hamilton County

Average values reported by homeowners.

Average home value
$242,000
Annual property tax
$2,369

Source: ACS 2019-2023 5-Year

Energy costs in Hamilton 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 Hamilton County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.8%

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 Hamilton 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 Hamilton County

Commute patterns and estimated costs.

Average commute
22.2 min
Drive alone
74.4%
Public transit
0.9%
Work from home
13.7%

Source: ACS

Monthly cost estimates for Hamilton County

What it costs to live in Hamilton County each month.

Single person
$3,204
per month
  • Rent $1,013
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $540
  • State tax $184
Couple
$4,697
per month
  • Rent $1,329
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $798
  • State tax $302
Family
$7,174
per month
  • Rent $1,601
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $798
  • State tax $302

Frequently asked questions about Hamilton County

Common questions about cost of living, rent and salary.

What is the average rent in Hamilton County?

In Hamilton County, NY, a one-bedroom apartment averages $1,013 per month, a two-bedroom averages $1,329 per month, a three-bedroom averages $1,601 per month, according to HUD Fair Market Rent data.

What is the average salary in Hamilton County?

In Hamilton County, NY, the average household income is $68,950 per year and individual earnings for full-time workers average $43,103 per year, according to U.S. Census Bureau data.

What is the cost of living in Hamilton County?

The estimated cost of living in Hamilton County, NY is approximately $3,204 per month for a single person, $4,697 for a couple, $7,174 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hamilton County?

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

Is Hamilton County an affordable place to live?

Based on the data, a single person in Hamilton County, NY would need approximately $3,204 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,950 per year ($5,746 per month). Hamilton County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hamilton County?

The ACA marketplace benchmark premium in Hamilton County, NY is approximately $480 per month for an individual. Approximately 3.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hamilton County?

The average home value in Hamilton County, NY is $242,000, with average annual property taxes of $2,369, according to U.S. Census Bureau data.

How does Hamilton County compare to other areas?

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