New York · Census, HUD and BEA figures · Updated

Cost of Living in St. Lawrence County, NY

Prices around St. Lawrence County, NY run 7.9% above the U.S. average (BEA, New York). The typical household there earns $62,850 a year, and HUD puts a two-bedroom at $1,071 a month. Keeping that rent under 30% of income takes about $42,840 a year.

St. Lawrence County, NY at a glance

Median household income

$62,850$5,238 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,071HUD FY2026 Fair Market Rent
Price level (U.S. = 100)107.9+7.9% · BEA, New York
Electricity29.5¢per kWh · EIA Residential NY
Population107,226Census ACS 5-year estimate

How much rent can you afford in St. Lawrence County, NY?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,071Monthly market rent
Share of gross income20.4%Recommended max: 30%
Annual income needed$42,840To meet the 30% standard
Max affordable rent$1,571At 30% of $62,850
0%30% (Affordability standard)100%
Compare against:

How much is rent in St. Lawrence County, NY? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for St. Lawrence County, NY, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in St. Lawrence County, NY, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$742$8,904$29,68014.2%
1-Bedroom Apartment$816$9,792$32,64015.6%
2-Bedroom ApartmentBenchmark$1,071$12,852$42,84020.4%
3-Bedroom Home$1,284$15,408$51,36024.5%
4-Bedroom Home$1,418$17,016$56,72027.1%

Rent in St. Lawrence County, NY, with the wage each unit needs →

What a typical income covers in St. Lawrence County, NY

The 50/30/20 rule applied to the local median of $62,850 a year ($5,238 a month before tax).

Needs (50%)$2,619/moRent ($1,071 2-BR), utilities (~$265/mo), groceries, transit
Wants (30%)$1,571/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,048/moEmergency fund, retirement, paying down loans

What $62,850 leaves after New York taxes

Federal income tax, Social Security, Medicare and New York tax on the local median income. Change the salary to see yours.

$62,850
$25,000$130,000
Filing status:
Gross salary breakdown$62,850
Net 79%
Fed 9%
NY 4%
FICA 8%
Annual take-home$49,883After all taxes
Monthly deposit$4,157Estimated per month
Biweekly paycheck$1,919Every 2 weeks (26/yr)
Effective tax rate20.6%Total tax burden
Federal income tax$5,362 / yr
New York state income tax$2,797 / yr
FICA (Social Security & Medicare)$4,808 / yr

Living in St. Lawrence County, NY: common questions

What is the median household income in St. Lawrence County, NY?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in St. Lawrence County, NY is $62,850 per year (approximately $5,238 per month).

What is the average rent in St. Lawrence County, NY?

The closest official figure is HUD's Fair Market Rent for 2026: $742 for a studio, $816 for one bedroom, $1,071 for two, $1,284 for three and $1,418 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is St. Lawrence County, NY expensive to live in?

Prices there run 7.9% above the U.S. average. BEA's regional price parity for New York is 107.9, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in St. Lawrence County, NY?

To keep a $1,071 two-bedroom under 30% of gross income, a household needs about $42,840 a year, or $3,570 a month. That is 68% of what the typical household in St. Lawrence County, NY earns.

How much do you need to live comfortably in St. Lawrence County, NY?

On the local median income of $62,850 ($5,238 a month before tax), the 50/30/20 rule leaves $2,619 a month for needs like rent, utilities and groceries, $1,571 for everything else and $1,048 for savings or debt. A two-bedroom at $1,071 takes 41% of the needs share.

How much is the electric bill in St. Lawrence County, NY?

Homes in New York paid 29.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $265. Your bill depends mostly on heating and cooling.