Cost of Living in Waterford, NY
Cost indexes, living wages, and fair market rents — 2024 Data
Cost of Living Overview
Overall Index
107.2
100 = national avg
+7.2 vs national average
Living Wage (1 Adult)
$47,176
per year
Living Wage (Family of 4)
$111,506
per year
Cost Index by Category
Housing114.4
Food102.1
Transportation104.3
Healthcare101.7
Utilities104.2
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD1 Bedroom
$1,417
per month
2 Bedroom
$1,702
per month
The overall cost of living index in Waterford is 107.2, which is 7.2% above the national average. Housing costs are above the national average at an index of 114.4. A single adult needs to earn approximately $47,176 per year to cover basic expenses.