States › New York › Scotia

Is Scotia, NY expensive to live in?

CheapRent takes 17 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,13835% lower than U.S. average
💵 Families earn per year (2026)$82,532about $6,878/month · 5% lower than U.S. average
🔑 House price$189,90043% lower than U.S. average

Rent is lower than in 80% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards.

How much money do I need?

To rent here comfortably, you should earn about $45,520 a year. That is $22 an hour at a full-time job.

Is rent cheaper than other New York cities?

Yes. Rent here is cheaper than in most of New York. It is number 32 of 343 cities from cheapest to most expensive.

Scotia
$1,138
Brockport
$1,098
Monticello
$1,218
Pelham
$3,500+
Carmel
$1,269
Oyster Bay
$2,455
Sound Beach
$3,689

How much do households earn in Scotia?

Under $25k
21.0%
$25k–50k
16.8%
$50k–100k
31.8%
$100k–150k
19.0%
$150k+
9.6%

Share of households by yearly income. 28.6% of households earn $100,000 or more.

Rent by apartment size in Scotia

SizeScotiaU.S. average
1 bedroom$1,119$1,324
2 bedrooms$1,090$1,509

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Scotia overall?

Everyday prices in New York overall are 8% above the U.S. average (index 107.9, U.S. = 100).

Housing
122
Goods (food, clothes…)
107
Utilities
134
Other services
104
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Scotia, so the New York figure is shown.

Taxes and bills in Scotia

🏛️ Property tax$5,119a year · 2.70% of home value · U.S. $3,119
⚡ Electric bill$163a month (typical) · U.S. $156

Life in Scotia

Commute to work22.8 minU.S.: 26.4 min
College degree38.1%U.S.: 35.7%
Own their home74.4%U.S.: 65.2%
Below poverty line4.9%U.S.: 12.5%
Unemployment3.2%U.S.: 5.2%

Is it cheaper to rent or buy in Scotia?

Renting is cheaper right now: about $180 a month less.

Renting
$1,138
Owning
$1,318

Owning assumes a typical $189,900 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $18,990 for the down payment.

Frequently asked questions

What is the average rent in Scotia, NY?

Renting in Scotia costs a median of about $1,138 a month in 2026, including utilities. The New York median is $2,177.

How much do I need to make to live in Scotia?

To keep rent under 30% of income, you need about $45,520 a year, or $22 an hour at a full-time job.

Is Scotia cheap or expensive?

Scotia is rated Cheap: rent takes 16.5% of the typical household income of $82,532. It ranks 32nd cheapest of 343 New York cities we track.

How much are property taxes in Scotia?

The median homeowner in Scotia pays $5,119 a year in property taxes, about 2.70% of the median home value.

Is Scotia more expensive than the national average?

Overall prices in New York are 8% above the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Scotia?

The median home value in Scotia is $189,900, about 2.3 times the typical yearly household income.

7,264 people live in Scotia. Numbers are typical (middle) values.