Cost of Living in Gardnertown, NY
Population 4,154 · New York · Data vintage 2023
(100 = US avg)
Under 25,000 residents gives Gardnertown a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $278,000.
Located 40 miles northwest of Stamford, Gardnertown falls within that metro's commuting orbit. Median home values run roughly 55% lower than Stamford's $614,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Gardnertown
The median home value in Gardnertown is $277,900 — 9% below the national median of $305,000. Median rent runs $2,440/month, 86% higher than the national median of $1,314/month. The median household income of $112,043/year is 50% higher than the US median of $74,580. The local unemployment rate is 4.9%, above the national average of 4.8%. New York's top state income tax rate is 10.9% and the combined sales tax is 8.5%. The climate averages highs of 61.1°F and lows of 39.9°F. Overall, Gardnertown has a cost of living index of 129 versus the US average of 100, meaning it is 29% more expensive.
Gardnertown has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 36 | 39 | 48 | 61 | 71 | 80 | 85 | 83 | 75 | 63 | 51 | 41 |
| Low °F | 18 | 20 | 27 | 38 | 48 | 57 | 62 | 61 | 53 | 41 | 32 | 24 |
| Precip" | 2.82 | 2.21 | 3.09 | 3.62 | 3.47 | 3.91 | 3.78 | 4.28 | 4.33 | 3.73 | 3.27 | 3.39 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Gardnertown, NY?
Gardnertown has a cost index of 129 (100 = national average). It is 29% above the national average.
What is average rent in Gardnertown, NY?
The median gross rent in Gardnertown is $2,440 per month based on 2023 Census data.
What is the average home price in Gardnertown?
The median home value in Gardnertown is $277,900 according to 2023 Census ACS data.
What is the median income in Gardnertown?
The median household income in Gardnertown is $112,043 per year (2023 ACS 5-year estimates).
What is the sales tax in Gardnertown, NY?
The combined state and local sales tax rate in Gardnertown is 8.5%. The New York state income tax top rate is 10.9%.
Is Gardnertown, NY affordable?
Gardnertown is above average in cost of living, with an index of 129 — about 29% higher than the national average.
What is the weather like in Gardnertown?
Gardnertown has average high temperatures of 61.1°F and average lows of 39.9°F. Annual precipitation is 41.9". Data from NOAA 1991–2020 Climate Normals.
Gardnertown at a Glance
- Population
- 4,154
- Median Income
- $112,043
- Home Value
- $277,900
- Median Rent
- $2,440/mo
- Unemployment
- 4.9%
- Avg High Temp
- 61.1°F
- Sales Tax
- 8.5%
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