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Palm Beach County, FL vs Westchester County, NY: Cost of Living Difference

Name: WatchPennies cost of living dataset
Creator: WatchPennies

Is it cheaper?

Palm Beach County, FL is cheaper than Westchester County, NY.

Moving to Westchester County, NY is estimated to cost $30,546 more per year.

Cheaper County

Palm Beach County, FLSpend $30,546 more per year.

Salary needed

$50,000 in Palm Beach County, FL is about $75,325 in Westchester County, NY.

Biggest drivers

Taxes increases by $13,559 per year. Food saves $35 per year.

Housing: $10,075 higher in Westchester County, NY

Taxes: $13,559 higher in Westchester County, NY

Childcare: about the same in both counties

Healthcare: $2,860 higher in Westchester County, NY

Food: $35 lower in Westchester County, NY

Transport: $970 higher in Westchester County, NY

Palm Beach County, FL→Westchester County, NY

Equivalent salary in Westchester County, NY

$75,325

+50.65% higher

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Palm Beach County, FL: $99,093

Median Income in Westchester County, NY: $153,491

Living Index in Palm Beach County, FL 60.86%

Living Index in Westchester County, NY 59.19%

This estimate matches your purchasing power (equivalent salary) when moving from Palm Beach County, FL to Westchester County, NY.

* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.

Cost of Living Breakdown by Category

Summary

Moving from Palm Beach County, FL to Westchester County, NY is estimated to cost $30,546 more per year. To maintain similar purchasing power, a $50,000 salary in Palm Beach County, FL would need to be about $75,325 in Westchester County, NY. The biggest increase is taxes, followed by housing.

This is a 50.65% increase in modeled annual costs. Taxes is $13,559 per year higher (128.94%); Housing is $10,075 per year higher (51.23%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Westchester County, NY.

Biggest Cost

Largest annual cost increase when moving to Westchester County, NY

Annual Increase:

$13,559 per year

TAXES has the largest annual increase when moving to Westchester County, NY.

Biggest Savings

Largest annual savings when moving to Westchester County, NY

Annual Savings:

$35 per year

FOOD has the largest annual savings when moving to Westchester County, NY.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	51.23% higher
Palm Beach County, FL Westchester County, NY Average Cost $19668.00 $29743.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	-0.71% lower
Palm Beach County, FL Westchester County, NY Average Cost $4939.00 $4904.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	8.50% higher
Palm Beach County, FL Westchester County, NY Average Cost $11415.00 $12385.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	46.64% higher
Palm Beach County, FL Westchester County, NY Average Cost $6132.00 $8992.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	40.80% higher
Palm Beach County, FL Westchester County, NY Average Cost $7640.00 $10757.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Palm Beach County, FL Westchester County, NY Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	128.94% higher
Palm Beach County, FL Westchester County, NY Average Cost $10516.00 $24075.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Westchester County, NY, modeled annual costs are $90,855 compared with $60,309 in Palm Beach County, FL.

Overall, annual costs are higher in Westchester County, NY. The category breakdown above shows whether housing, taxes, transportation, healthcare, food, childcare, or other necessities are driving the increase.

In this case Westchester County, NY and Palm Beach County, FL are both metropolitan locations.

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