Cost of Living in Poland, NY

With a cost of living index of 67, Poland, NY is one of the most affordable cities in the country. Living here is 33% cheaper than the national average and 44% below the New York state average of 111. Poland is a small community of 467 residents.

Housing costs are the biggest factor in Poland's cost of living. The median monthly rent is $775 (41% below the US median of $1,319), and the median home value sits at $134,400 (56% below the national median of $304,900). At current prices, the median home costs roughly 2x the median household income — well within traditional affordability guidelines.

The median household income in Poland is $67,917, which is 10% lower than the national median of $75,149. Residents spend roughly 14% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Poland. The area sees an average annual temperature of 46.7°F, with summers averaging 68°F and winters around 25°F. Annual rainfall totals 44 inches spread over roughly 174 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

Everyday prices in the Utica-Rome, NY (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 5 are priced lower 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.