Patchogue, NY

Very High · 152

New York · Population 12,368 · Updated March 2026

$2,191
Median Rent / Month
$104,423
Median Income
$446,700
Median Home Value
$2,304
Owner Costs / Month

Affordability

How far your income goes in Patchogue

25.2%
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

$26,292
Annual Rent
$11,382
State Income Tax
$7,237
Property Tax (est.)

Cost of Living Overview

Patchogue has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 152 (where 100 equals the national median), Patchogue residents can expect to pay median rent of $2,191/month while earning a median household income of $104,423/year.

The median home value in Patchogue, NY is $446,700, with typical monthly owner costs around $2,304 including mortgage, insurance, and taxes. With a rent-to-income ratio of 25.2%, Patchogue 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 Patchogue.

Frequently Asked Questions

Common questions about living costs in Patchogue

What is the cost of living in Patchogue, NY?
The cost of living index in Patchogue, NY is 152 (US average = 100). Median monthly rent is $2,191, median household income is $104,423/year, and the median home value is $446,700.
Is Patchogue, NY affordable?
No, Patchogue is more expensive than the national average with a cost index of 152. The rent-to-income ratio is 25.2%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Patchogue, NY?
The median gross rent in Patchogue, NY is $2,191 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $26,292.
What is the median household income in Patchogue?
The median household income in Patchogue, NY is $104,423 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%.