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New York-Newark-Jersey City, NY-NJ

Cost of living in Putnam County, NY

Part of the New York Metro Area

Estimated monthly cost
$5,037/mo
for a single person, all categories combined

Population 97,988 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $2,511 50%
Federal tax $802 16%
Healthcare $480 10%
Groceries $404 8%
Transport $320 6%
State tax $257 5%
Energy $208 4%
Water $55 1%

Rent in Putnam County

Fair Market Rents by bedroom count.

Studio
$2,406
per month
1 bedroom
$2,511
per month
2 bedroom
$2,780
per month
3 bedroom
$3,465
per month
4 bedroom
$3,738
per month

Source: HUD FMR FY2025

Income and earnings in Putnam County

Annual earnings figures from the Census ACS.

Household income
$127,405
per year
Individual earnings
$59,050
per year
Per capita
$54,914
per year

Source: ACS 2019-2023 5-Year.

Home values in Putnam County

Average values reported by homeowners.

Average home value
$448,000
Annual property tax
$10,001

Source: ACS 2019-2023 5-Year

Energy costs in Putnam 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 Putnam County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.3%

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 Putnam 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 Putnam County

Commute patterns and estimated costs.

Average commute
39.5 min
Drive alone
70.5%
Public transit
5.7%
Work from home
13.7%

Source: ACS

Monthly cost estimates for Putnam County

What it costs to live in Putnam County each month.

Single person
$5,037
per month
  • Rent $2,511
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $802
  • State tax $257
Couple
$7,426
per month
  • Rent $2,780
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $1,788
  • State tax $590
Family
$10,316
per month
  • Rent $3,465
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,788
  • State tax $590

Frequently asked questions about Putnam County

Common questions about cost of living, rent and salary.

What is the average rent in Putnam County?

In Putnam County, NY, a one-bedroom apartment averages $2,511 per month, a two-bedroom averages $2,780 per month, a three-bedroom averages $3,465 per month, according to HUD Fair Market Rent data.

What is the average salary in Putnam County?

In Putnam County, NY, the average household income is $127,405 per year and individual earnings for full-time workers average $59,050 per year, according to U.S. Census Bureau data.

What is the cost of living in Putnam County?

The estimated cost of living in Putnam County, NY is approximately $5,037 per month for a single person, $7,426 for a couple, $10,316 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Putnam County?

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

Is Putnam County an affordable place to live?

Based on the data, a single person in Putnam County, NY would need approximately $5,037 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $127,405 per year ($10,617 per month). Putnam County is relatively affordable compared to the national average.

How much does healthcare cost in Putnam County?

The ACA marketplace benchmark premium in Putnam County, NY is approximately $480 per month for an individual. Approximately 3.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Putnam County?

The average home value in Putnam County, NY is $448,000, with average annual property taxes of $10,001, according to U.S. Census Bureau data.

How does Putnam County compare to other areas?

You can compare Putnam County, NY with any other US county using our comparison tool at /compare. Putnam County is in the New York-Newark-Jersey City, NY-NJ metro area.

Other counties in New York

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

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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