How Much Does it Cost to Live in White Plains, NY? ($10,000+ a month!)

Are you thinking of moving to White Plains, NY? How much does it cost to live in White Plains? Does it really cost more than $10,000 a month for a family to live in White Plains?

White Plains is one of the more affordable towns in Westchester County, yet, it still cost $10,980.55 a month for a family of four to live in White Plains, NY! Keep on reading to find out how we calculated this!

When it comes to living in White Plains, there are many factors to consider. You will have to take into account the cost of commuting, transportation expenses, housing expenses and home maintenance expenses.

For those of you with kids, you will have to take into account childcare, after school enrichment activities, preschool tuition and other child-related expenses.

Use our White Plains Cost of Living Calculator below to find out how much it will cost for you to live in White Plains.

Check out: The Truth About Living in White Plains

White Plains Cost of Living: Commute and Transportation Expense

How Much Does It Cost to Take the Metro North from White Plains to New York City?

Many White Plains residents commute to NYC for work. They usually take the Metro North train to NYC. White Plains Metro North train station is conveniently located within walking distance to downtown White Plains.

If you take the Metro North train every day, you can buy a monthly pass. The monthly Metro North ticket from White Plains to NYC is $250.25.

How Much Does It Cost to Park at the White Plains Metro North Train station?

The annual parking permit at the TransCenter Garage at the White Plains train station is $1089 a year for White Plains residents.

In our White Plains cost of living calculator below, we used $350 per month as the monthly cost for both the monthly Metro-North train ticket and the Metro-North train station parking.

Check out our Guide to Metro North Train Station Parking in Westchester County

How Much Does It Cost to Own a Car in White Plains?

Many families in White Plains can walk to the train station. However, it’s still pretty common for White Plains families to own at least 1 car.

In our White Plains Cost of Living Calculator below, the monthly cost to own a car in White Plains is $639 per car. This includes car payments, insurance, gas, and tolls. We priced out a $450 per month lease which can get you a Toyota Highlander.

White Plains Cost of Living: Childcare Expense

How Much Does Childcare Cost in White Plains?

Childcare is a big expense for families in White Plains with young children. Fortunately for families in White Plains, there are many childcare options available to families. You can enroll your child in a Daycare program, or hire babysitters, or a live-in au pair.

How Much Does Daycare Cost in White Plains?

You can enroll your child in a full-time daycare in White Plains which will cost approximately $2000 a month.

How Much Does it Cost to Hire Babysitters in White Plains?

Live-out Babysitters in White Plains can range from $15-$25 per hour. Depending on your household arrangement, you may have 2 full-time working parents so you will need a full-time babysitter.

Families with a stay-at-home parent might only need help on a part-time basis. Many families that have kids in school may only need an after-school sitter to drive the kids to after-school sports and enrichment activities.

Or there are families who have their kids in daycare and will only need occasional babysitting on the weekends.

In our White Plains Cost of Living Calculator below, we broke down the babysitter option to Full time (40 hours/week), Part-Time (20 Hours/Week), or Occasional (5 Hours/Week) based on a rate of $20 per hour.

How Much Does It Cost to Have Au Pairs in White Plains?

The third childcare option is to have an Au Pair. Au Pairs are a great value because they generally cost $800 a month and $9000 fees so around $18,600 per year and you can get 45 hours a week of childcare.

However, Au Pairs live in your house so you will have to take into account housing expenses, food expenses, cellphone subscription expenses, and other miscellaneous expenses associated with having an extra person living in your home.

In our White Plains Cost of Living Calculator, we used $1800 per month for the monthly Au Pair expense which includes the Au Pair fee and living expenses.

How Much is Preschool Tuition in White Plains?

Preschool tuition in White Plains varies by the number of days and the type of preschool.

For example, at The Church in the Highlands, 5 days of half-day Preschool tuition is $6,900 a year and 5 days of full-day Preschool tuition is $11,600.

In our White Plains Cost of Living Calculator, we used $1000 per month for preschool tuition.

How Much Is Private School Tuition in White Plains?

We also included Private School tuition in our calculator below. It is not uncommon for families to start off at the public school system and then later move their kids to private school, so we included private school tuition as a field in the calculator below. The Private School tuition is $40,000 a year or $3,333 per month.

Are you thinking of sending your child to private school? Check out our Private School Finder and Private School Admissions Advice

How Much Does Sport and After School Enrichment Cost in White Plains?

Many families move to White Plains for the public school system. However, even if you send your child to Public School, you will most likely incur some tuition and enrichment expenses.

It is common for children in White Plains to be enrolled in some type of enrichment program either after school or during the weekend.

In our White Plains Cost of Living Calculator, we used $144 per month as the cost for enrichment if your child is enrolled in a 1x a week sports program or enrichment class.

We calculated the cost of after school programs and enrichment based on $36 per class (enrichment and sports classes can vary from $25 per class to $50+ per class depending on what sports you do and if it is a private lesson or group lesson).

White Plains Cost of Living: Health and Fitness Expense

How much are Gym Memberships in White Plains?

Many families are members of a local gym, the price will depend on the gym and the type of membership. A membership at the New York Sports Club is $50 a month and a family membership at the YMCA is $137 a month.

For the White Plains Cost of Living Calculator, we used $150 per month for a family gym membership.

Check out our interview with White Plains mom, Erin O’Keefe

White Plains Cost of Living: Housing Expense

Mortgage Expense

In the White Plains Cost of Living Calculator, you will see that there is a mortgage calculator component. This is so you can include your monthly housing payment with homeowners insurance and real estate tax.

If you don’t know the cost of your homeowner’s insurance or property taxes, you can use the preset number in the field.

How Much is Home Maintenance and Utilities in White Plains?

Our White Plains Cost of Living Calculator will not be complete without including home maintenance and monthly utilities. Utilities include water, gas, electric, and cable/internet.

Home maintenance includes home repairs and exterior maintenance such as landscaping, snow shoveling, and Tick and Mosquito spray for the yard.

In our White Plains Cost Calculator below, the exterior maintenance is based on $433.33 per month for a 1-acre yard and home repairs and Utilities are based on $0.17 per square foot per month.

How Much Does it Cost for a Family of Four to Live in White Plains, NY?

How much does it cost for a family of four to live in White Plains? Let’s price out the cost of living for a family of four in White Plains.

Let’s say one child is in daycare and the other one is enrolled at White Plains public school. The older child is enrolled in after-school enrichment programs 2x a week.

They have a part-time babysitter that helps out for 20 hours a week. The family has a housekeeper that comes in to clean the house once a week.

They live in a 2054 square feet home in White Plains on a .20 acre lot. They have a 30-year mortgage on their $615,000 home* (loan amount is $492,000) with taxes of $16,632 a year and homeowners insurance of $3600 a year.

Our White Plains family owns 1 car. Dad commutes to NYC, he takes the Metro North train to Manhattan. Mom drives to work. And they have a gym membership at a local gym.

According to our White Plains Cost of Living Calculator, it will cost $10,980.55 per month for a family of four to live in White Plains. Remember, this does not even include food, family vacations, clothing, entertainment, and other miscellaneous expense!

*Home price, real estate taxes, square feet and lot size is based on an actual home in White Plains, NY. We used 6.85% as our mortgage interest rate. We also picked a home that is close to the median sales price of homes in White Plains.

White Plains Cost of Living Calculator

Use the White Plains Cost of Living Calculator below to find out how much it costs to live in White Plains. Use the slider and fill in the fields with your information.

If you leave a field blank or keep the slider at zero, it will not include that field in the total monthly calculation.

If you live in a condominium, you can leave the Size of Lot field at zero.

We’ve prefilled the Mortgage loan amount, interest rate, real estate tax, and homeowners insurance, feel free to change it.

FREE Monthly Budget Printable and Google Sheet Template!

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