salaryRent is higher than in 77% of U.S. cities. Household incomes are higher than in 92% of U.S. cities. A typical house costs about 4.3 years of household income. Commutes are long, about 33.2 minutes each way. Most homes (88.6%) are owned, so rentals can be hard to find.
How much money do I need?
To rent here comfortably, you should earn about $89,160 a year. That is $43 an hour at a full-time job.
Is rent cheaper than other New York cities?
No. Rent here is more expensive than in most of New York. It is number 179 of 343 cities from cheapest to most expensive.
How much do households earn in Smithtown?
Share of households by yearly income. 57.9% of households earn $100,000 or more.
Rent by apartment size in Smithtown
| Size | Smithtown | U.S. average |
|---|---|---|
| 2 bedrooms | $2,623 | $1,509 |
| 3 bedrooms | $3,158 | $1,698 |
| 4 bedrooms | $2,139 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Smithtown overall?
Everyday prices in New York overall are 8% above the U.S. average (index 107.9, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Smithtown, so the New York figure is shown.
Taxes and bills in Smithtown
Life in Smithtown
Is it cheaper to rent or buy in Smithtown?
Renting is cheaper right now: about $2,661 a month less.
Owning assumes a typical $704,700 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $70,470 for the down payment.
Frequently asked questions
What is the average rent in Smithtown, NY?
Renting in Smithtown costs a median of about $2,229 a month in 2026, including utilities. The New York median is $2,177.
How much do I need to make to live in Smithtown?
To keep rent under 30% of income, you need about $89,160 a year, or $43 an hour at a full-time job.
Is Smithtown cheap or expensive?
Smithtown is rated Cheap: rent takes 16.5% of the typical household income of $162,491. It ranks 179th cheapest of 343 New York cities we track.
How much are property taxes in Smithtown?
The median homeowner in Smithtown pays $10,000+ a year in property taxes, about 1.42% of the median home value.
Is Smithtown 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 Smithtown?
The median home value in Smithtown is $704,700, about 4.3 times the typical yearly household income.
24,375 people live in Smithtown. Numbers are typical (middle) values.