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Utica-Rome, NY

Cost of living in Herkimer County, NY

Part of the Utica Metro Area

Estimated monthly cost
$3,121/mo
for a single person, all categories combined

Population 59,932 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $928 30%
Federal tax $542 17%
Healthcare $480 15%
Groceries $404 13%
Transport $320 10%
Energy $208 7%
State tax $184 6%
Water $55 2%

Rent in Herkimer County

Fair Market Rents by bedroom count.

Studio
$922
per month
1 bedroom
$928
per month
2 bedroom
$1,159
per month
3 bedroom
$1,396
per month
4 bedroom
$1,651
per month

Source: HUD FMR FY2025

Income and earnings in Herkimer County

Annual earnings figures from the Census ACS.

Household income
$68,858
per year
Individual earnings
$43,207
per year
Per capita
$35,959
per year

Source: ACS 2019-2023 5-Year.

Home values in Herkimer County

Average values reported by homeowners.

Average home value
$135,000
Annual property tax
$3,067

Source: ACS 2019-2023 5-Year

Energy costs in Herkimer 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 Herkimer County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.5%

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 Herkimer 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 Herkimer County

Commute patterns and estimated costs.

Average commute
25.2 min
Drive alone
80.1%
Public transit
0.1%
Work from home
8.8%

Source: ACS

Monthly cost estimates for Herkimer County

What it costs to live in Herkimer County each month.

Single person
$3,121
per month
  • Rent $928
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $542
  • State tax $184
Couple
$4,526
per month
  • Rent $1,159
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $797
  • State tax $302
Family
$6,968
per month
  • Rent $1,396
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $797
  • State tax $302

Frequently asked questions about Herkimer County

Common questions about cost of living, rent and salary.

What is the average rent in Herkimer County?

In Herkimer County, NY, a one-bedroom apartment averages $928 per month, a two-bedroom averages $1,159 per month, a three-bedroom averages $1,396 per month, according to HUD Fair Market Rent data.

What is the average salary in Herkimer County?

In Herkimer County, NY, the average household income is $68,858 per year and individual earnings for full-time workers average $43,207 per year, according to U.S. Census Bureau data.

What is the cost of living in Herkimer County?

The estimated cost of living in Herkimer County, NY is approximately $3,121 per month for a single person, $4,526 for a couple, $6,968 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Herkimer County?

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

Is Herkimer County an affordable place to live?

Based on the data, a single person in Herkimer County, NY would need approximately $3,121 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,858 per year ($5,738 per month). Herkimer County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Herkimer County?

The ACA marketplace benchmark premium in Herkimer County, NY is approximately $480 per month for an individual. Approximately 4.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Herkimer County?

The average home value in Herkimer County, NY is $135,000, with average annual property taxes of $3,067, according to U.S. Census Bureau data.

How does Herkimer County compare to other areas?

You can compare Herkimer County, NY with any other US county using our comparison tool at /compare. Herkimer County is in the Utica-Rome, 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 Herkimer 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