Median Income
$89,107
household / year
Median Home Value
$343,700
owner-occupied
Median Rent
$1,418
gross / month
Cost of Living
104
national avg = 100

Is Montgomery, NY a Good Place to Live?

Montgomery is a small town of 3,797 in New York, with a median household income of $89,107 and a 2.7% unemployment rate. Its cost of living index is 104 (US average = 100), which is 4% above the national average.

Strengths: Montgomery stands out for solid school ratings (A-).

Trade-offs: Potential downsides include longer commutes. Whether Montgomery is right for you depends on your priorities — the full breakdown is below.

All Montgomery city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 104.0

Montgomery's overall cost of living index is 104.0, where 100 represents the US national average. Living in Montgomery costs roughly 4% more than the average American city.

Metric Montgomery, NY National Avg
Median Home Value $343,700 $244,900
Median Monthly Rent $1,418 $1,163
Homeownership Rate 69.7% 65.9%
Median Household Income $89,107 $74,755

Crime & Safety

Very Safe

Montgomery's violent crime rate is 105.5 per 100,000 residents — 72% lower than the national average of ~380 per 100,000.

Violent Crime
105.5 /100k
Property Crime
269.4 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Montgomery is served primarily by VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY). The student-to-teacher ratio is 11.9:1 (better than the national average of ~16:1).

Metric Montgomery, NY National Avg
School District VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY) —
Elementary Schools 4 —
Middle Schools 1 —
High Schools 1 —
Student/Teacher Ratio 11.9:1 16:1
Bachelor's Degree or Higher 32.8% 35.4%
High School Diploma or Higher 91.2% 91.1%

Weather & Climate

Montgomery sees average highs of 34.6°F in January and 83.6°F in July, with 41.0 inches of annual precipitation and 44.2 inches of snow per year.

MetricMontgomery, NY
Average High — January34.6°F
Average High — July83.6°F
Annual Precipitation41.0"
Annual Snowfall44.2"

Demographics

MetricMontgomery, NYNational Avg
Population3,797—
Median Age38.538.9
Unemployment Rate2.7%3.7%
Avg Commute Time35.5 min26 min
White (non-Hispanic)66.2%59.3%
Black or African American19.6%13.6%
Hispanic or Latino12.8%18.9%
Asian0.8%6.3%
Under 1824.2%22.2%
65 and over20.0%16.8%

Nearby Cities

Maybrook, NY 3 mi Walden, NY 4 mi Pine Bush, NY 7 mi Wallkill, NY 7 mi Scotchtown, NY 7 mi

ZIP Codes in Montgomery

Montgomery, NY is covered by 1 ZIP code:

12549

Montgomery vs Other Cities

Montgomery, NY vs Maybrook, NY Montgomery, NY vs Walden, NY Montgomery, NY vs Pine Bush, NY Montgomery, NY vs Wallkill, NY Montgomery, NY vs Scotchtown, NY

Frequently Asked Questions

Montgomery's cost of living index is 104, where 100 is the national average. That puts Montgomery roughly 4% above the national average in cost. The median home price is $343,700 and median rent is $1,418/month.
Montgomery's violent crime rate is 105.5 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 269.4 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Montgomery are operated by VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY). The district has 4 elementary, 1 middle, and 1 high schools. The student-to-teacher ratio is 11.9:1. 32.8% of adults 25+ hold a bachelor's degree or higher.
Montgomery, NY has a population of 3,797, a median household income of $89,107, and an unemployment rate of 2.7%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Montgomery averages 34.6°F in January and 83.6°F in July. Annual rainfall is 41.0 inches with about 44.2 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).
Montgomery, NY is covered by 1 ZIP code: 12549.
The population of Montgomery, New York is 3,797 with a median age of 38.5. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Montgomery: cost of living index 104 (100 = US average), median home $343,700, median household income $89,107, crime index 22 (100 = US average, lower is safer), schools rated A-. Whether these are benefits or drawbacks depends on where you're coming from — compare Montgomery side by side with your current city to see the trade-offs.