Mastic Beach, NY

Very High · 137

New York · Population 16,382 · Updated March 2026

$2,342
Median Rent / Month
$109,381
Median Income
$326,600
Median Home Value
$1,961
Owner Costs / Month

Affordability

How far your income goes in Mastic Beach

25.7%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

Tax Burden in New York

State-level tax rates that affect your costs

10.9%
Income Tax (Top Rate)
4.0%
Sales Tax
1.62%
Property Tax Rate

Estimated Annual Costs

$28,104
Annual Rent
$11,923
State Income Tax
$5,291
Property Tax (est.)

Cost of Living Overview

Mastic Beach has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 137 (where 100 equals the national median), Mastic Beach residents can expect to pay median rent of $2,342/month while earning a median household income of $109,381/year.

The median home value in Mastic Beach, NY is $326,600, with typical monthly owner costs around $1,961 including mortgage, insurance, and taxes. With a rent-to-income ratio of 25.7%, Mastic Beach falls within the generally affordable range, though it's approaching the 30% burden threshold.

New York's top income tax rate of 10.9% is among the highest in the nation, adding to the overall cost burden. Combined with a 4.0% sales tax rate and 1.62% effective property tax rate, the overall tax environment is a factor in the total cost of living in Mastic Beach.

Frequently Asked Questions

Common questions about living costs in Mastic Beach

What is the cost of living in Mastic Beach, NY?
The cost of living index in Mastic Beach, NY is 137 (US average = 100). Median monthly rent is $2,342, median household income is $109,381/year, and the median home value is $326,600.
Is Mastic Beach, NY affordable?
No, Mastic Beach is more expensive than the national average with a cost index of 137. The rent-to-income ratio is 25.7%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Mastic Beach, NY?
The median gross rent in Mastic Beach, NY is $2,342 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $28,104.
What is the median household income in Mastic Beach?
The median household income in Mastic Beach, NY is $109,381 per year. This compares to the national median of approximately $80,000.
What are the taxes like in New York?
New York has a top income tax rate of 10.9%, a sales tax of 4.0%, and an effective property tax rate of 1.62%.