Shirley, NY vs Troy, NY

The cost of living difference between Shirley, NY and Troy, NY is dramatic. Troy is 60.2% cheaper than Shirley, a gap that translates to thousands of dollars per year in household expenses. Shirley has a cost index of 135 while Troy sits at 85, 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 Shirley is $2,110/month compared to $1,134/month in Troy — a 86% difference. Home values follow the same pattern: Troy is more affordable at $192,500 median vs $390,300.

Median household income in Shirley is $105,379 compared to $57,688 in Troy (+82.7%). While Shirley is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Shirley spend roughly 24% of their income on rent, more than the 23.6% in Troy.