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New York-Newark-Jersey City, NY-NJ

Cost of living in Suffolk County, NY

Part of the New York Metro Area

Estimated monthly cost
$4,726/mo
for a single person, all categories combined

Population 1,525,680 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $2,241 47%
Federal tax $770 16%
Healthcare $480 10%
Groceries $404 9%
Transport $320 7%
State tax $248 5%
Energy $208 4%
Water $55 1%

Rent in Suffolk County

Fair Market Rents by bedroom count.

Studio
$1,848
per month
1 bedroom
$2,241
per month
2 bedroom
$2,586
per month
3 bedroom
$3,352
per month
4 bedroom
$3,591
per month

Source: HUD FMR FY2025

Income and earnings in Suffolk County

Annual earnings figures from the Census ACS.

Household income
$128,329
per year
Individual earnings
$57,112
per year
Per capita
$56,341
per year

Source: ACS 2019-2023 5-Year.

Home values in Suffolk County

Average values reported by homeowners.

Average home value
$539,500
Annual property tax
$10,001

Source: ACS 2019-2023 5-Year

Energy costs in Suffolk 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 Suffolk County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.6%

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 Suffolk 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 Suffolk County

Commute patterns and estimated costs.

Average commute
31.7 min
Drive alone
73.4%
Public transit
5.2%
Work from home
10.7%

Source: ACS

Monthly cost estimates for Suffolk County

What it costs to live in Suffolk County each month.

Single person
$4,726
per month
  • Rent $2,241
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $770
  • State tax $248
Couple
$7,259
per month
  • Rent $2,586
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $1,811
  • State tax $594
Family
$10,230
per month
  • Rent $3,352
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,811
  • State tax $594

Frequently asked questions about Suffolk County

Common questions about cost of living, rent and salary.

What is the average rent in Suffolk County?

In Suffolk County, NY, a one-bedroom apartment averages $2,241 per month, a two-bedroom averages $2,586 per month, a three-bedroom averages $3,352 per month, according to HUD Fair Market Rent data.

What is the average salary in Suffolk County?

In Suffolk County, NY, the average household income is $128,329 per year and individual earnings for full-time workers average $57,112 per year, according to U.S. Census Bureau data.

What is the cost of living in Suffolk County?

The estimated cost of living in Suffolk County, NY is approximately $4,726 per month for a single person, $7,259 for a couple, $10,230 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Suffolk County?

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

Is Suffolk County an affordable place to live?

Based on the data, a single person in Suffolk County, NY would need approximately $4,726 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $128,329 per year ($10,694 per month). Suffolk County is relatively affordable compared to the national average.

How much does healthcare cost in Suffolk County?

The ACA marketplace benchmark premium in Suffolk County, NY is approximately $480 per month for an individual. Approximately 4.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Suffolk County?

The average home value in Suffolk County, NY is $539,500, with average annual property taxes of $10,001, according to U.S. Census Bureau data.

How does Suffolk County compare to other areas?

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

See all counties in New York

Compare Suffolk 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