Atlantic Beach, NY vs Montgomery, NY

The cost of living difference between Atlantic Beach, NY and Montgomery, NY is dramatic. Montgomery is 91.8% cheaper than Atlantic Beach, a gap that translates to thousands of dollars per year in household expenses. Atlantic Beach has a cost index of 214 while Montgomery sits at 111, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Atlantic Beach is $3,125/month compared to $1,473/month in Montgomery — a 112% difference. Home values follow the same pattern: Montgomery is more affordable at $345,700 median vs $969,400.

Median household income in Atlantic Beach is $161,344 compared to $88,348 in Montgomery (+82.6%). The higher salaries in Atlantic Beach partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Atlantic Beach spend roughly 23.2% of their income on rent, more than the 20% in Montgomery.

Climate-wise, Atlantic Beach is notably warmer with an average of 54.3°F compared to 49.4°F in Montgomery. Atlantic Beach receives more rainfall at 43.3" per year compared to 41" in Montgomery.