Cost of Living in Schenectady, NY
Overall index: 70 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 44 | -56% | $776 |
| Transportation | 111 | +11% | $3.50 |
| Food | 76 | -24% | $312 |
| Utilities | 72 | -28% | $79 |
| Healthcare | 72 | -28% | $57 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Schenectady?
A single adult living comfortably in Schenectady, NY needs approximately $24,500 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Schenectady, NY?
The overall cost of living in Schenectady, NY is 30% lower than the US national average (index: 70 where 100 = national average).
How much is rent in Schenectady, NY?
Average rent for a 1-bedroom apartment in Schenectady, NY is about $776/month.
Is Schenectady, NY expensive to live in?
No, Schenectady, NY is affordable (below national average).
What salary do I need to live in Schenectady, NY?
A single adult needs roughly $24,500/year to cover basic living costs in Schenectady, NY.