Old Westbury, NY vs Sag Harbor, NY: Cost of Living

Which city costs less?

Sag Harbor, NY has a modeled overall cost index 24.4% lower than Old Westbury, NY.

Old Westbury, NY · modeled 2BR rent: $2,870 / month
Sag Harbor, NY · modeled 2BR rent: $3,720 / 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

Adjust your income and compare the budget ↓

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Cost of Living Comparison 2026

Compare Old Westbury, NY and Sag Harbor, 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 Old Westbury, NY

Numbers update automatically as you type

Estimated savings: $1,656/month in Sag Harbor, NY

$150,000 in your current city has a modeled equivalent of $130,129 in Sag Harbor, NY

Regional cost estimates: Old Westbury, NY uses New York, NY. Sag Harbor, NY uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 24.4%

Less expensive

Monthly Impact

$1,656

Savings

Annual Impact

$19.9K

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.

Old Westbury, NY

Population:5K

Cost Index:

142.8

100 = national average

Typical Home:$2.90M

Sag Harbor, NY

Population:3K

Cost Index:

108.0

100 = national average

Typical Home:$2.24M

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Old Westbury, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 5K residents.

Sag Harbor, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Old Westbury, NY vs Sag Harbor, 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	Old Westbury, NY	Sag Harbor, NY	Difference	Change
Housing	$3,917/mo	$2,962/mo	↓ $954less	24.4%
Other	$1,157/mo	$875/mo	↓ $282less	24.4%
Transportation	$912/mo	$690/mo	↓ $222less	24.4%
Groceries	$719/mo	$625/mo	↓ $93.72less	13.0%
Healthcare	$424/mo	$369/mo	↓ $55.32less	13.0%
All Utilities	$370/mo	$322/mo	↓ $48.26less	13.0%

Housing

↓ 24.4%

Old Westbury, NY

$3,917

Sag Harbor, NY

$2,962

Difference

$954

less

Other

↓ 24.4%

Old Westbury, NY

$1,157

Sag Harbor, NY

$875

Difference

$282

less

Transportation

↓ 24.4%

Old Westbury, NY

$912

Sag Harbor, NY

$690

Difference

$222

less

Groceries

↓ 13.0%

Old Westbury, NY

$719

Sag Harbor, NY

$625

Difference

$93.72

less

Healthcare

↓ 13.0%

Old Westbury, NY

$424

Sag Harbor, NY

$369

Difference

$55.32

less

All Utilities

↓ 13.0%

Old Westbury, NY

$370

Sag Harbor, NY

$322

Difference

$48.26

less

🏠Rent Comparison

Studio

From$2,080

To$2,700

↑ $620

1 Bed

From$2,490

To$3,220

↑ $730

2 Bed

From$2,870

To$3,720

↑ $850

3 Bed

From$3,730

To$4,830

↑ $1,100

Old Westbury, NYZIP-level data

1BR range: $2,490–$2,490/mo

Sag Harbor, NYZIP-level data

1BR range: $3,220–$3,220/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 Old Westbury, NY

$5,844

Monthly in Sag Harbor, NY

$1,656

Difference

Home Values

Old Westbury

Sag Harbor

$2.90M

Median Value

$2.24M

↑ +9.7%

YoY Change

↑ +4.8%

↑ +58.4%

5-Year Change

↑ +52.5%

Homes in Sag Harbor are 23% less expensive than Old Westbury

Calculate payment - Old Westbury Calculate payment - Sag Harbor

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Old Westbury, 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

Sag Harbor, 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

Old Westbury, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Sag Harbor, 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

Old Westbury

Sag Harbor

43 Good

Air Quality

43 Good

65.8%

Good Air Days

65.8%

99 High

Climate Risk

99 High

🌊🌀🌡

Top Hazards

🌊🌀🌡

▲+2.7°F

2050 Outlook

▲+2.7°F

11 days

Heat Days >95°F

11 days

▲+2.7°F

2050 Outlook

▲+2.7°F

11 days

Heat Days >95°F

11 days

Before moving from Old Westbury, NY to Sag Harbor, NY

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

Compare actual homes. Get current quotes in Sag Harbor, NY for the same bedroom count and included utilities as your home in Old Westbury, NY. 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 Old Westbury to Sag Harbor moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Old Westbury, NY vs Sag Harbor, NY

How do the cost estimates for Old Westbury, NY and Sag Harbor, NY compare?

Sag Harbor, NY has a modeled overall cost index 24.4% lower than Old Westbury, NY. 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 Old Westbury, NY, the model estimates $130,129 in Sag Harbor, 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 Old Westbury, NY and Sag Harbor, NY?

The modeled two-bedroom rents are $2,870/month in Old Westbury, NY and $3,720/month in Sag Harbor, 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.