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Massena-Ogdensburg, NY

Cost of living in St. Lawrence County, NY

Estimated monthly cost
$2,848/mo
for a single person, all categories combined

Population 107,796 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $810 28%
Healthcare $480 17%
Federal tax $421 15%
Groceries $404 14%
Transport $320 11%
Energy $208 7%
State tax $150 5%
Water $55 2%

Rent in St. Lawrence County

Fair Market Rents by bedroom count.

Studio
$724
per month
1 bedroom
$810
per month
2 bedroom
$1,036
per month
3 bedroom
$1,248
per month
4 bedroom
$1,374
per month

Source: HUD FMR FY2025

Income and earnings in St. Lawrence County

Annual earnings figures from the Census ACS.

Household income
$61,900
per year
Individual earnings
$35,783
per year
Per capita
$31,574
per year

Source: ACS 2019-2023 5-Year.

Home values in St. Lawrence County

Average values reported by homeowners.

Average home value
$119,800
Annual property tax
$2,735

Source: ACS 2019-2023 5-Year

Energy costs in St. Lawrence 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 St. Lawrence County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.9%

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 St. Lawrence 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 St. Lawrence County

Commute patterns and estimated costs.

Average commute
21.0 min
Drive alone
75.0%
Public transit
0.3%
Work from home
7.1%

Source: ACS

Monthly cost estimates for St. Lawrence County

What it costs to live in St. Lawrence County each month.

Single person
$2,848
per month
  • Rent $810
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $421
  • State tax $150
Couple
$4,257
per month
  • Rent $1,036
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $683
  • State tax $270
Family
$6,674
per month
  • Rent $1,248
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $683
  • State tax $270

Frequently asked questions about St. Lawrence County

Common questions about cost of living, rent and salary.

What is the average rent in St. Lawrence County?

In St. Lawrence County, NY, a one-bedroom apartment averages $810 per month, a two-bedroom averages $1,036 per month, a three-bedroom averages $1,248 per month, according to HUD Fair Market Rent data.

What is the average salary in St. Lawrence County?

In St. Lawrence County, NY, the average household income is $61,900 per year and individual earnings for full-time workers average $35,783 per year, according to U.S. Census Bureau data.

What is the cost of living in St. Lawrence County?

The estimated cost of living in St. Lawrence County, NY is approximately $2,848 per month for a single person, $4,257 for a couple, $6,674 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in St. Lawrence County?

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

Is St. Lawrence County an affordable place to live?

Based on the data, a single person in St. Lawrence County, NY would need approximately $2,848 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $61,900 per year ($5,158 per month). St. Lawrence County has a moderate cost of living relative to local earnings.

How much does healthcare cost in St. Lawrence County?

The ACA marketplace benchmark premium in St. Lawrence County, NY is approximately $480 per month for an individual. Approximately 5.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in St. Lawrence County?

The average home value in St. Lawrence County, NY is $119,800, with average annual property taxes of $2,735, according to U.S. Census Bureau data.

How does St. Lawrence County compare to other areas?

You can compare St. Lawrence County, NY with any other US county using our comparison tool at /compare. St. Lawrence County is in the Massena-Ogdensburg, NY 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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Compare St. Lawrence 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