Cost of Living in Mastic Beach, NY

With a cost of living index of 137, Mastic Beach, NY is a notably expensive place to live. Living here is 37% more expensive than the national average and 26% above the New York state average of 111. Mastic Beach is a smaller community of 16,382 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in Mastic Beach's cost of living. The median monthly rent is $2,342 (78% above the US median of $1,319), and the median home value sits at $326,600 (7% above the national median of $304,900). At current prices, the median home costs roughly 3x the median household income — well within traditional affordability guidelines.

The median household income in Mastic Beach is $109,381, which is 46% higher than the national median of $75,149. Residents spend roughly 26% of household income on rent. This is near the 30% threshold that financial experts generally consider the upper limit of affordability. While incomes are above average, they more than offset the higher cost of living.

Climate is another factor for anyone considering a move to Mastic Beach. The area sees an average annual temperature of 52.4°F, with summers averaging 72°F and winters around 34°F. Annual rainfall totals 44.2 inches spread over roughly 134 days.

Everyday prices in the New York-Newark-Jersey City, NY-NJ (Metropolitan Statistical Area) metro area tend to run above the national average. Out of 6 common grocery and utility items tracked by the Bureau of Labor Statistics, 6 are priced higher than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.