Cost of Living in Smithtown, NY
Population 24,940 · New York · Data vintage 2023
(100 = US avg)
Home prices in Smithtown run well above the national baseline, with a median of $661,000, though local incomes keep the cost-to-earnings ratio tighter than in coastal metros with comparable sticker prices. Median household earnings of $148,852 place the city among the better-paid New York metros.
Smithtown sits roughly 25 miles south of Bridgeport — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 162% higher than Bridgeport's $252,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Smithtown
The median home value in Smithtown is $661,400 — 117% above the national median of $305,000. Median rent runs $1,851/month, 41% higher than the national median of $1,314/month. The median household income of $148,852/year is 100% higher than the US median of $74,580. The local unemployment rate is 3.3%, below 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 45.2°F, with about 31.8" of annual snowfall. Overall, Smithtown has a cost of living index of 186 versus the US average of 100, meaning it is 86% more expensive.
🏠 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 | 39 | 41 | 48 | 58 | 68 | 77 | 83 | 81 | 75 | 64 | 54 | 44 |
| Low °F | 25 | 26 | 32 | 41 | 51 | 61 | 67 | 66 | 59 | 47 | 38 | 30 |
| Precip" | 3.66 | 3.29 | 4.51 | 4.06 | 3.28 | 4.00 | 3.26 | 4.24 | 3.60 | 3.97 | 3.41 | 4.71 |
| Snow" | 10.3 | 9.4 | 6.5 | 0.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | 4.5 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Smithtown, NY?
Smithtown has a cost index of 186 (100 = national average). It is 86% above the national average.
What is average rent in Smithtown, NY?
The median gross rent in Smithtown is $1,851 per month based on 2023 Census data.
What is the average home price in Smithtown?
The median home value in Smithtown is $661,400 according to Zillow and Census data.
What is the median income in Smithtown?
The median household income in Smithtown is $148,852 per year (2023 ACS 5-year estimates).
What is the sales tax in Smithtown, NY?
The combined state and local sales tax rate in Smithtown is 8.5%. The New York state income tax top rate is 10.9%.
Is Smithtown, NY affordable?
Smithtown is above average in cost of living, with an index of 186 — about 86% higher than the national average.
What is the weather like in Smithtown?
Smithtown has average high temperatures of 61.1°F and average lows of 45.2°F. Annual precipitation is 46". Average annual snowfall is 31.8". Data from NOAA 1991–2020 Climate Normals.
Smithtown at a Glance
- Population
- 24,940
- Median Income
- $148,852
- Home Value
- $661,400
- Median Rent
- $1,851/mo
- Unemployment
- 3.3%
- Avg High Temp
- 61.1°F
- Sales Tax
- 8.5%
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