Research / Most affordable ZIP codes
Most affordable ZIP codes in New York
Ranked by the SkaldMaps Cost of Living Index, lowest first. 100 is about the national level; lower values indicate lower estimated costs.
How we rank lowest cost of living
The Cost of Living Index combines the local cost of everyday goods and services with the estimated cost of owning a typical listed home, including mortgage payments, property taxes, insurance, and maintenance. These measures are combined and compared with a national baseline.
100 is about the national level. Below 100, a homebuyer's money goes further; above 100, it goes less far.
It reflects homes for sale today, not what current owners pay, so it needs listing data: ZIPs without enough listings are not ranked. It does not include income, so a low index does not mean local wages cover local costs.
Only ZIPs with at least 1,000 residents are ranked, so a handful of households cannot top the list. 1,143 New York ZIPs qualify.
New York ZIP codes ranked by lowest cost of living
1ZIP 13334Morrisville
New York
- Cost of living index
- 66.9
- ZIP population
- ~1k
- Avg. temperature
- 45°F
- Avg. commute
- 25 min
2ZIP 14303Niagara Falls
New York
- Cost of living index
- 70.4
- ZIP population
- ~6k
- Avg. temperature
- 49°F
- Avg. commute
- 19 min
3ZIP 14605Rochester
New York
- Cost of living index
- 70.6
- ZIP population
- ~12k
- Avg. temperature
- 49°F
- Avg. commute
- 19 min
4ZIP 14904Elmira
New York
- Cost of living index
- 70.9
- ZIP population
- ~15k
- Avg. temperature
- 48°F
- Avg. commute
- 19 min
5ZIP 14621Rochester
New York
- Cost of living index
- 71.1
- ZIP population
- ~32k
- Avg. temperature
- 49°F
- Avg. commute
- 21 min
6ZIP 14901Elmira
New York
- Cost of living index
- 71.1
- ZIP population
- ~14k
- Avg. temperature
- 48°F
- Avg. commute
- 19 min
| Rank | ZIP | City | County | Cost of living index |
|---|---|---|---|---|
| #7 | 13357 | Ilion | Herkimer County | 71.2 |
| #8 | 14613 | Rochester | Monroe County | 71.6 |
| #9 | 13608 | Antwerp | Jefferson County | 71.8 |
| #10 | 14611 | Rochester | Monroe County | 71.8 |
| #11 | 14894 | Elmira | Chemung County | 71.9 |
| #12 | 14301 | Niagara Falls | Niagara County | 72.8 |
| #13 | 14305 | Niagara Falls | Niagara County | 72.8 |
| #14 | 14608 | Rochester | Monroe County | 73.4 |
| #15 | 14211 | Buffalo | Erie County | 73.8 |
| #16 | 13205 | Syracuse | Onondaga County | 73.9 |
| #17 | 14207 | Buffalo | Erie County | 73.9 |
| #18 | 12910 | Altona | Clinton County | 74.3 |
| #19 | 14489 | Lyons | Wayne County | 74.3 |
| #20 | 12887 | Whitehall | Washington County | 74.8 |
| #21 | 14619 | Rochester | Monroe County | 75.0 |
| #22 | 14892 | Waverly | Tioga County | 75.1 |
| #23 | 14212 | Buffalo | Erie County | 75.4 |
| #24 | 14215 | Buffalo | Erie County | 75.5 |
| #25 | 13204 | Syracuse | Onondaga County | 75.7 |
Rank New York by your own priorities
This list uses one attribute. In SkaldMaps you choose the criteria, weight them, and rank every New York ZIP against what matters to you.
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More New York research
Best ZIP codes for schools
Ranked by school quality index
- New York median ZIP
- 60.3
- Middle 80% of ZIPs
- 47.2 to 73.5
ZIP codes with the shortest commutes
Ranked by mean commute
- New York median ZIP
- 27.4 min
- Middle 80% of ZIPs
- 19.2 min to 40.7 min
Best healthcare access
Ranked by healthcare access score
- New York median ZIP
- 94.6
- Middle 80% of ZIPs
- 86.0 to 99.2
Best broadband coverage
Ranked by households with broadband
- New York median ZIP
- 91.5%
- Middle 80% of ZIPs
- 83.3% to 96.6%
Warmest ZIP codes
Ranked by avg. temperature
- New York median ZIP
- 48.7°F
- Middle 80% of ZIPs
- 45.7°F to 55.2°F