Affordability vs median income
Modeled annual costs equal about 91.5% of median family income in Kings County, NY and 53.1% in Madison County, NY. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Kings County, NY vs Madison County, NY: Cost of Living Difference
Madison County, NY is cheaper than Kings County, NY for modeled annual cost of living. This comparison shows the yearly cost gap, salary needed to keep similar purchasing power, and the categories driving the difference.
Is it cheaper?
Madison County, NY is cheaper than Kings County, NY.
Cheaper place
Madison County, NYSave about $29,753 per year.Cost gap
Moving to Madison County, NY is estimated to save $29,753 per year.
AnnualSave about $29,753 per year.
MonthlySave about $2,479 per month.
Salary needed
$50,000 in Kings County, NY is about $31,365 in Madison County, NY.
Biggest drivers
Transport increases by $7,400 per year. Housing saves $18,347 per year.
Kings County, NY→Madison County, NY
Equivalent salary in Madison County, NY
$31,365
-37.27% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Kings County, NY: $87,226
Median Income in Madison County, NY: $94,317
annual living index in Kings County, NY 91.53%
annual living index in Madison County, NY 53.10%
This estimate matches your purchasing power (equivalent salary) when moving from Kings County, NY to Madison County, NY.
* Living index is estimated as (estimated annual total cost / area median annual income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Category-by-category comparison
Annual costs are shown for the selected household. The difference column shows how much more or less the category costs in Madison County, NY compared with Kings County, NY.
| Category | Kings County, NY | Madison County, NY | Annual difference | Monthly impact | Direction |
|---|---|---|---|---|---|
| Housing | $28,284 | $9,937 | -$18,347(-64.87%) | -$1,529 | Lower in Madison County, NY |
| Taxes | $20,201 | $10,154 | -$10,047(-49.74%) | -$837 | Lower in Madison County, NY |
| Transport | $6,954 | $14,354 | +$7,400(106.41%) | +$617 | Higher in Madison County, NY |
| Other Costs | $10,351 | $4,421 | -$5,930(-57.29%) | -$494 | Lower in Madison County, NY |
| Healthcare | $8,992 | $6,912 | -$2,080(-23.13%) | -$173 | Lower in Madison County, NY |
| Food | $5,054 | $4,304 | -$750(-14.84%) | -$63 | Lower in Madison County, NY |
| Childcare | $0 | $0 | $0(0%) | $0 | About even |
Why this comparison matters
These notes use the actual annual cost differences between Kings County, NY and Madison County, NY, so the page highlights the budget tradeoffs behind the total.
Housing
Housing is $18,347 per year lower in Madison County, NY than in Kings County, NY. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Madison County, NY changes their baseline budget.
Food
Food is $750 per year lower in Madison County, NY than in Kings County, NY. Food costs affect weekly cash flow, so even a smaller modeled gap in Madison County, NY can show up quickly for households that cook most meals at home.
Transportation
Transportation is $7,400 per year higher in Madison County, NY than in Kings County, NY. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Madison County, NY.
Healthcare
Healthcare is $2,080 per year lower in Madison County, NY than in Kings County, NY. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Madison County, NY changes provider networks or plan options.
Other necessities
Other necessities is $5,930 per year lower in Madison County, NY than in Kings County, NY. Other necessities cover everyday basics, so changes in Madison County, NY help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Kings County, NY and Madison County, NY, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Madison County, NY, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $10,047 per year lower in Madison County, NY than in Kings County, NY. Taxes affect take-home pay, so the gap in Madison County, NY matters even if the headline salary looks similar before deductions.
Methodology and data vintage
WatchPennies uses county-level 2026 cost estimates from a 2025-2026 cost-data snapshot. The comparison includes housing, food, transportation, healthcare, childcare, other necessities, taxes, total cost, and median family income context when available.
Read the full methodologyFrequently asked questions
Which is cheaper, Kings County, NY or Madison County, NY?
Madison County, NY is cheaper than Kings County, NY by about $29,753 per year.
How much salary is needed in Madison County, NY?
A $50,000 salary in Kings County, NY is modeled as roughly equivalent to $31,365 in Madison County, NY for the selected household profile.
What costs are included in this Kings County, NY vs Madison County, NY comparison?
The comparison includes housing, food, transportation, healthcare, childcare, other necessities, taxes, total cost, and median family income context when available.
Is this comparison personalized financial advice?
No. WatchPennies comparisons are directional planning estimates based on county-level public datasets, not personalized financial, tax, housing, or relocation advice.
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