Niskayuna, NY

Above Avg · 112

New York · Population 20,774 · Updated March 2026

$1,528
Median Rent / Month
$128,346
Median Income
$326,600
Median Home Value
$1,858
Owner Costs / Month

Affordability

How far your income goes in Niskayuna

14.3%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

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

$18,336
Annual Rent
$13,990
State Income Tax
$5,291
Property Tax (est.)

Cost of Living Overview

Niskayuna is more expensive than the national average. Higher housing costs are typically the primary driver. With a cost index of 112 (where 100 equals the national median), Niskayuna residents can expect to pay median rent of $1,528/month while earning a median household income of $128,346/year.

The median home value in Niskayuna, NY is $326,600, with typical monthly owner costs around $1,858 including mortgage, insurance, and taxes. The median rent-to-income ratio of 14.3% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

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 Niskayuna.

Frequently Asked Questions

Common questions about living costs in Niskayuna

What is the cost of living in Niskayuna, NY?
The cost of living index in Niskayuna, NY is 112 (US average = 100). Median monthly rent is $1,528, median household income is $128,346/year, and the median home value is $326,600.
Is Niskayuna, NY affordable?
No, Niskayuna is more expensive than the national average with a cost index of 112. The rent-to-income ratio is 14.3%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Niskayuna, NY?
The median gross rent in Niskayuna, NY is $1,528 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $18,336.
What is the median household income in Niskayuna?
The median household income in Niskayuna, NY is $128,346 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%.