CitytisticsShortlist

Cost of living, pay and housing

41.54° N · 74.06° W · GEOID 3628310

Gardnertown

Orange County, New York · part of the Kiryas Joel, NY metro

Limited data population under 5,000

New YorkGardnertown, NYGardnertownGardnertown

The short answer

Gardnertown is home to 4,760 people. Median household income is $113,277 a year and median rent is $2,488 a month, 26.4% of income (a ratio of two medians, not any one household's burden). Rent pressure is moderate. The median home is valued at $311,700, about 2.8x annual median household income.

Median gross rent
$2,488
82% above the median place
Median household income
$113,277
41% above the median place
Median home value
$311,700
2% below the median place
Unemployment
5.5%
12% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Gardnertown

  • Owning with a mortgage costs about $306 a month less than the median rent, which is rarer than in 98% of the 2,469 places under 10,000 people we track.
  • Between the 2019 and 2024 surveys, rent rose 15.1% a year while household income rose 7.5%, so rent outran pay by more than in 95% of places its size.
  • Counting remote workers as zero, the average worker spends about 235 hours a year commuting, more than in 93% of places its size.
  • Median rent is $2,488 a month, higher than in 93% of places its size.
  • Half the homes were built before 1958, older housing than in 84% of places its size.
01

Moving to Gardnertown

Orange County loses about 3.5 residents per 1,000 a year to moves between counties.

Moved in15,933
Moved out17,123
Net−1,190

Where people come from and where they go, top counties

Ulster County, NY9091,154−245
Kings County, NY1,493522+971
Bronx County, NY1,559416+1,143
Queens County, NY996

Within New York, other states or abroad

Arrivals
Leavers
Within New YorkOther statesAbroad

Income per tax return

Arrivals$73K
Leavers$76K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Orange County; flows under 20 returns are not published.

Who moves here
4.3% of residents arrived from another county in the past year, 1.4% from another state.
Who arrives and who leaves
Households moving into Orange County report $73,100 a year in income on average; those leaving, $76,200.
Income you would need
$99,500 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,488 a month; owners with a mortgage pay $2,182 a month including taxes and insurance, on a median home of $311,700.
Getting to work
34 minutes each way on average; 9.6% work from home.
If it is close but not quite
Beachwood, NJ matches it on character. Compare the two
Moved here in the past year1
4.3%
25% below the median place
Moved from another state1
1.4%
30% below the median place
Net movers per 1,000 people7
-3.5
below the median place (median -0.6)
All 5 moving measures
MeasureGardnertownAmong 6,645 placesVs median
Moved here in the past year14.3%25% below
Moved from another state1County figure1.4%30% below
Net movers per 1,000 people7County figure-3.5below (median -0.6)
Income of households moving in7County figure$73,1114% above
Income of households moving out7County figure$76,2448% above
02

What it costs to live here

Median gross rent is $2,488, 82% above the median place.

Gardnertown26.4%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$99,520
a year, at the 30% line
Rent to income
26.4%
29% above the median place
Home price to income
2.8x
28% below the median place

Could you afford it?

The median rent would take
26%
just under the 30% line
Left after rent, in US prices
$76,900
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Gardnertown, $2,488 a month, and local prices for everything else (108.1 against a US average of 100). It runs in your browser and stores nothing.

Like Gardnertown, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
White Horse, NJ23.2% vs 26.4%$6,900Compare
Oak Grove, MN20.8% vs 26.4%$13,000Compare
North Lindenhurst, NY20.4% vs 26.4%$16,200Compare

Moving from somewhere else? Work out the salary you would need in Gardnertown.

Sponsored · exampleMoving to Gardnertown? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Property tax rate1
1.9%
114% above the median place
Median year built1
1958
1% below the median place
Homeownership1
82.8%
25% above the median place
All 16 cost and housing measures
MeasureGardnertownAmong 6,645 placesVs median
Median gross rent1$2,48882% above
Rent to income126.4%29% above
Property tax rate11.9%114% above
Home price to income12.8x28% below
Prices vs US average2Metro figure109.48% above
Fair market rent, 2 bedrooms3County figure$2,13132% above
HUD area median income4County figure$125,90017% above
Property tax paid (median)1$6,08786% above
Median home value1$311,7002% below
Home prices, 1-year change5County figure6.2%94% above
Home prices, 5-year change5County figure62.0%20% above
Homeownership182.8%25% above
Renters paying 30%+1County figure57.2%13% above
Owner costs with a mortgage1$2,18217% above
Vacant homes1County figure7.4%5% above
Median year built119581% below
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Mean commute1
34 min
35% above the median place
Median household income1
$113,277
41% above the median place

More on work and pay, against the typical place

Income per person$51,734 +29%
Works from home9.6% −23%
Unemployment5.5% +12%
All 10 work and pay measures
MeasureGardnertownAmong 6,645 placesVs median
Median household income1$113,27741% above
Income per person1$51,73429% above
Unemployment15.5%12% above
Average annual pay6County figure$63,8673% below
Pay growth, 1 year6County figure2.0%46% below
Jobs6County figure154,9053% above
Poverty rate1County figure12.6%17% above
Mean commute134 min35% above
Works from home19.6%23% below
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Median age is 43.3, 11% above the median place.

Median age1
43.3
11% above the median place
Bachelor's or higher1
20.9%
35% below the median place
Household size1
2.8
11% above the median place

More about who lives here, against the typical place

Born abroad13.6% +54%
Homes with broadband90.8% −2%
High school or higher93.0% +1%
No health insurance6.3% −2%
All 8 people measures
MeasureGardnertownAmong 6,645 placesVs median
Population14,7606646th largest
Median age143.311% above
Bachelor's or higher120.9%35% below
High school or higher193.0%1% above
Household size12.811% above
Born abroad113.6%54% above
No health insurance16.3%2% below
Homes with broadband190.8%2% below
05

Life in Gardnertown

1 site is on the National Register of Historic Places, 8 of them National Historic Landmarks.

  • Gardner, Silas, House listed 1980

Out the door, against the typical place

Parks per 10k residents10.5 +3%
Playgrounds per 10k4.2 −55%
Grocery stores per 10k12.6 5.9×
Restaurants, cafes and bars per 10k58.8 5.3×
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars24.4 +17%
Shops39.7 +31%
Arts, recreation and fitness4.3 +5%
Doctors' offices and clinics16.4 −19%
Child care centers2.8 +22%

Counts businesses with paid staff, so small owner-run shops are not included.

Students per teacher11
11.4
26% below the median place
Shops per 10k8
39.7
31% above the median place
Public school students11
57,122
above the median place (median 4,897)
All 16 schools and local life measures
MeasureGardnertownAmong 6,645 placesVs median
Public schools11County figure82above (median 9)
Public school students11County figure57,122above (median 4,897)
Students per teacher11County figure11.426% below
Restaurants and bars per 10k8County figure24.417% above
Shops per 10k8County figure39.731% above
Arts, recreation and fitness per 10k8County figure4.35% above
Doctors' offices and clinics per 10k8County figure16.419% below
Child care centers per 10k8County figure2.822% above
Parks per 10k910.53% above
Playgrounds per 10k94.255% below
Grocery stores per 10k912.6above (median 2.1)
Restaurants, cafes and bars per 10k958.8above (median 11.2)
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi90.0below (median 0.2)
National Register listings10192% below
06

Safety, weather and risk

Median air quality index is 27, 37% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Gardnertown. Larger places are fetched first.

Median air quality index14
27
37% below the median place
Good air days14
86.9%
27% above the median place
January average low12
18°F
29% below the median place
All 11 weather and risk measures
MeasureGardnertownAmong 6,645 placesVs median
July average high12County figure83°F4% below
January average low12County figure18°F29% below
Average temperature12County figure50°F9% below
Annual precipitation12County figure46.6 in6% above
Natural hazard risk13County figure90.62% below
Hurricane risk13County figure90.829% above
Tornado risk13County figure81.91% above
Wildfire risk13County figure51.216% below
Heat wave risk13County figure87.33% below
Median air quality index14County figure2737% below
Good air days14County figure86.9%27% above
08

Gardnertown in 2030: where the trends point

If recent trends hold, the median rent will take about 28% of the median income in 2030, up from 26% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,488/mo (2024)$3,340/mo$2,740 to $4,070/mo+5.0%
Median household income$113,277 (2024)$145,000$122,500 to $171,500+4.2%
Median home value$311,700 (2024)$443,000$321,000 to $610,000+6.0%

The median home would be worth 3.1 years of the median income in 2030, against 2.8 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Gardnertown

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Beachwood, NJ$2,335$106,858Compare
St. Paul Park, MN$2,174$100,642Compare
River Ridge, FL$2,194$102,798Compare
White Horse, NJ$2,046$105,758Compare
White Horse, NJRiver Ridge, FLSt. Paul Park, MNBeachwood, NJGardnertown, NYGardnertownBeachwoodSt. Paul ParkRiver RidgeGardnertownBeachwoodSt. Paul ParkRiver Ridge

Common questions

Is Gardnertown a good place to live?

It depends on what you need, so here is what the numbers say. Owning with a mortgage costs about $306 a month less than the median rent, which is rarer than in 98% of the 2,469 places under 10,000 people we track. Between the 2019 and 2024 surveys, rent rose 15.1% a year while household income rose 7.5%, so rent outran pay by more than in 95% of places its size. See how it ranks with your own weights.

Is Gardnertown expensive to live in?

The median rent takes 26.4% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $311,700.

What salary do you need to live in Gardnertown?

To rent the median home without spending more than 30% of income on rent, a household needs about $99,520 a year. Work it out from your current city.

What places are similar to Gardnertown?

On income, rent, home value, education and age, the closest matches are Beachwood, NJ, St. Paul Park, MN, River Ridge, FL and White Horse, NJ.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  11. Common Core of Data · National Center for Education Statistics · 2024 release
  12. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  13. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  14. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Gardnertown with places of a similar size, using only figures measured for Gardnertown itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/gardnertown-new-york

Citytistics. “Gardnertown, New York.” Data as of 2026-11-14. https://www.citytistics.com/city/gardnertown-new-york/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.