Monthly Budget in Schenectady for a Single Adult
What it costs one working adult, no dependents to live in Schenectady, NY in 2026.
$1,869
Total Monthly
$4,153
Salary Needed
90
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (1BR apartment) | $1,080 |
| Essential | Groceries & household supplies | $35 |
| Essential | Utilities (electric, gas, water) | $23 |
| Essential | Transportation (gas, transit, maintenance) | $26 |
| Essential | Car insurance | $154 |
| Essential | Health insurance (individual) | $38 |
| Lifestyle | Internet & streaming | $68 |
| Lifestyle | Phone plan (1 line) | $85 |
| Lifestyle | Dining out & takeout | $225 |
| Lifestyle | Entertainment & recreation | $135 |
| Essentials Subtotal | $1,356 | |
| Lifestyle Subtotal | $513 | |
| Total Monthly Budget | $1,869 |
💡 Salary Needed: To live in Schenectady as a one working adult, no dependents with a 20% savings margin, you need approximately $4,153/year before taxes.Check affordability →