Seaford, NY

Very High · 192

New York · Population 15,884 · Updated March 2026

$2,612
Median Rent / Month
$156,488
Median Income
$631,000
Median Home Value
$2,750
Owner Costs / Month

Affordability

How far your income goes in Seaford

20.0%
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

$31,344
Annual Rent
$17,057
State Income Tax
$10,222
Property Tax (est.)

Cost of Living Overview

Seaford has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 192 (where 100 equals the national median), Seaford residents can expect to pay median rent of $2,612/month while earning a median household income of $156,488/year.

The median home value in Seaford, NY is $631,000, with typical monthly owner costs around $2,750 including mortgage, insurance, and taxes. The median rent-to-income ratio of 20.0% 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 Seaford.

Frequently Asked Questions

Common questions about living costs in Seaford

What is the cost of living in Seaford, NY?
The cost of living index in Seaford, NY is 192 (US average = 100). Median monthly rent is $2,612, median household income is $156,488/year, and the median home value is $631,000.
Is Seaford, NY affordable?
No, Seaford is more expensive than the national average with a cost index of 192. The rent-to-income ratio is 20.0%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Seaford, NY?
The median gross rent in Seaford, NY is $2,612 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $31,344.
What is the median household income in Seaford?
The median household income in Seaford, NY is $156,488 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%.