Concord, NH vs Middletown, NY: Cost of Living

Which city costs less?

Middletown, NY has a modeled overall cost index 16.2% lower than Concord, NH.

Concord, NH · modeled 2BR rent: $2,040 / month
Middletown, NY · modeled 2BR rent: $2,070 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Concord, NH and Middletown, NY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Concord, NH

Numbers update automatically as you type

Estimated savings: $1,230/month in Middletown, NY

$150,000 in your current city has a modeled equivalent of $135,243 in Middletown, NY

Regional cost estimates: Concord, NH uses Boston, MA. Middletown, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 16.2%

Less expensive

Monthly Impact

$1,230

Savings

Annual Impact

$14.8K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Concord, NH

Population:45K

Cost Index:

121.9

100 = national average

Typical Home:$449K

Middletown, NY

Population:30K

Cost Index:

102.1

100 = national average

Typical Home:$434K

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Concord, NH

The Live Free or Die State

45K

Population

State Tax

No Income Tax

Located in New Hampshire, this city has a population of 45K residents.

💡 Advantage: New Hampshire has no state income tax!

Middletown, NY

The Empire State

30K

Population

State Tax

Yes

Located in New York, this city has a population of 30K residents.

Cost Breakdown by Category

Estimated monthly spending: Concord, NH vs Middletown, NY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Concord, NH	Middletown, NY	Difference	Change
Housing	$3,177/mo	$1,573/mo	↓ $1,603less	50.5%
Other	$1,221/mo	$1,566/mo	↑ $345more	28.3%
Groceries	$798/mo	$874/mo	↑ $75.81more	9.5%
All Utilities	$530/mo	$474/mo	↓ $55.87less	10.5%
Transportation	$1,225/mo	$1,236/mo	↑ $11.14more	0.9%
Healthcare	$550/mo	$547/mo	↓ $3.07less	0.6%

Housing

↓ 50.5%

Concord, NH

$3,177

Middletown, NY

$1,573

Difference

$1,603

less

Other

↑ 28.3%

Concord, NH

$1,221

Middletown, NY

$1,566

Difference

$345

Groceries

↑ 9.5%

Concord, NH

$798

Middletown, NY

$874

Difference

$75.81

All Utilities

↓ 10.5%

Concord, NH

$530

Middletown, NY

$474

Difference

$55.87

less

Transportation

↑ 0.9%

Concord, NH

$1,225

Middletown, NY

$1,236

Difference

$11.14

Healthcare

↓ 0.6%

Concord, NH

$550

Middletown, NY

$547

Difference

$3.07

less

🏠Rent Comparison

Studio

From$1,410

To$1,430

↑ $20.00

1 Bed

From$1,550

To$1,620

↑ $70.00

2 Bed

From$2,040

To$2,070

↑ $30.00

3 Bed

From$2,690

To$2,630

↓ $60.00

Concord, NHZIP-level data

1BR range: $1,550–$1,550/mo

Middletown, NYZIP-level data

1BR range: $1,620–$1,620/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Concord, NH

$6,270

Monthly in Middletown, NY

$1,230

Difference

Home Values

Concord

Middletown

$449K

Median Value

$434K

↑ +4.5%

YoY Change

↑ +3.2%

↑ +55.2%

5-Year Change

↑ +48.7%

Homes in Middletown are 3% less expensive than Concord

Calculate payment - Concord Calculate payment - Middletown

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $9.5K

More taxes

Monthly Difference

$795

Less take-home

Effective Rate Diff

6.4%

Rate difference

Concord, NH

Federal Income Tax

Effective: 18.9%

$25.5K

New Hampshire State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Middletown, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Concord, NH Tax Rates

Sales Tax:0.0%

Property Tax:1.9%

Middletown, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Concord

Middletown

36 Good

Air Quality

N/A

79.5%

Good Air Days

94 Moderate

Climate Risk

98 High

🌊🌅🌀

Top Hazards

🌊🌡🌪

▲+2.5°F

2050 Outlook

▲+2.9°F

6 days

Heat Days >95°F

15 days

▲+2.5°F

2050 Outlook

▲+2.9°F

6 days

Heat Days >95°F

15 days

Before moving from Concord, NH to Middletown, NY

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Middletown, NY for the same bedroom count and included utilities as your home in Concord, NH. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Concord to Middletown moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Middletown, NY by cost, housing, population and region.

Frequently Asked Questions: Concord, NH vs Middletown, NY

How do the cost estimates for Concord, NH and Middletown, NY compare?

Middletown, NY has a modeled overall cost index 16.2% lower than Concord, NH. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Concord, NH, the model estimates $135,243 in Middletown, NY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Concord, NH and Middletown, NY?

The modeled two-bedroom rents are $2,040/month in Concord, NH and $2,070/month in Middletown, NY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between New Hampshire and New York on TaxTakeHome.com