To take home four times the typical rent here, a full-time job needs to pay at least $107.95 an hour before taxes, about $224,539 a year.
Rent is the middle of 67 ZIP-level HUD studio rents in the county. HUD's county-wide figure is $2,593 (New York, NY HUD Metro FMR Area).
Rents vary within the county. This is what the standard would be at each ZIP code's own studio rent; the county figure above is what the calculator uses.
| ZIP | Place | Studio rent | Pay needed |
|---|---|---|---|
| 10501 | Amawalk | $3,370/mo | $125.42/hr |
| 10502 | Ardsley | $3,110/mo | $113.49/hr |
| 10503 | Ardsley On Hudson | $3,360/mo | $124.96/hr |
| 10504 | Armonk | $2,990/mo | $109.06/hr |
| 10505 | Baldwin Place (partly) | $2,280/mo | $81.85/hr |
| 10506 | Bedford | $3,890/mo | $148.68/hr |
| 10507 | Bedford Hills | $2,560/mo | $93.06/hr |
| 10510 | Briarcliff Manor | $3,470/mo | $129.99/hr |
| 10511 | Buchanan | $2,420/mo | $87.46/hr |
| 10514 | Chappaqua | $3,590/mo | $135.47/hr |
| 10517 | Crompond | $2,280/mo | $81.85/hr |
| 10518 | Cross River | $3,470/mo | $129.99/hr |
| 10519 | Croton Falls | $2,900/mo | $105.74/hr |
| 10520 | Croton On Hudson | $2,570/mo | $93.46/hr |
| 10521 | Croton On Hudson | $2,640/mo | $96.23/hr |
| 10522 | Dobbs Ferry | $3,190/mo | $117.19/hr |
| 10523 | Elmsford | $3,890/mo | $148.68/hr |
| 10526 | Goldens Bridge | $3,050/mo | $111.27/hr |
| 10527 | Granite Springs | $3,220/mo | $118.56/hr |
| 10528 | Harrison | $3,630/mo | $137.30/hr |
| 10530 | Hartsdale | $3,120/mo | $113.91/hr |
| 10532 | Hawthorne | $2,890/mo | $105.37/hr |
| 10533 | Irvington | $3,360/mo | $124.96/hr |
| 10535 | Jefferson Valley | $2,650/mo | $96.61/hr |
| 10536 | Katonah | $3,890/mo | $148.68/hr |
| 10538 | Larchmont | $2,960/mo | $107.95/hr |
| 10540 | Lincolndale | $3,080/mo | $112.38/hr |
| 10543 | Mamaroneck | $2,880/mo | $105.00/hr |
| 10545 | Maryknoll | $2,910/mo | $106.11/hr |
| 10546 | Millwood | $3,210/mo | $118.11/hr |
| 10547 | Mohegan Lake | $3,090/mo | $112.75/hr |
| 10548 | Montrose | $2,760/mo | $100.62/hr |
| 10549 | Mount Kisco | $2,400/mo | $86.66/hr |
| 10550 | Mount Vernon | $2,500/mo | $90.66/hr |
| 10551 | Mount Vernon | $2,640/mo | $96.23/hr |
| 10552 | Mount Vernon | $2,420/mo | $87.46/hr |
| 10553 | Mount Vernon | $2,430/mo | $87.86/hr |
| 10560 | North Salem | $3,050/mo | $111.27/hr |
| 10562 | Ossining | $2,910/mo | $106.11/hr |
| 10566 | Peekskill | $2,660/mo | $96.98/hr |
| 10567 | Cortlandt Manor | $2,710/mo | $98.80/hr |
| 10570 | Pleasantville | $2,640/mo | $96.23/hr |
| 10573 | Port Chester | $2,790/mo | $101.71/hr |
| 10576 | Pound Ridge | $3,420/mo | $127.70/hr |
| 10577 | Purchase | $2,940/mo | $107.21/hr |
| 10578 | Purdys | $3,090/mo | $112.75/hr |
| 10580 | Rye | $3,830/mo | $146.08/hr |
| 10583 | Scarsdale | $3,370/mo | $125.42/hr |
| 10587 | Shenorock | $2,640/mo | $96.23/hr |
| 10588 | Shrub Oak | $2,280/mo | $81.85/hr |
| 10589 | Somers | $3,420/mo | $127.70/hr |
| 10590 | South Salem | $3,090/mo | $112.75/hr |
| 10591 | Tarrytown | $2,680/mo | $97.70/hr |
| 10594 | Thornwood | $2,950/mo | $107.58/hr |
| 10595 | Valhalla | $2,280/mo | $81.85/hr |
| 10596 | Verplanck | $2,350/mo | $84.65/hr |
| 10597 | Waccabuc | $3,120/mo | $113.91/hr |
| 10598 | Yorktown Heights | $3,220/mo | $118.56/hr |
| 10601 | White Plains | $2,990/mo | $109.06/hr |
| 10602 | White Plains | $2,640/mo | $96.23/hr |
| 10603 | White Plains | $2,700/mo | $98.43/hr |
| 10604 | West Harrison | $2,850/mo | $103.90/hr |
| 10605 | White Plains | $3,130/mo | $114.32/hr |
| 10606 | White Plains | $3,400/mo | $126.79/hr |
| 10607 | White Plains | $3,340/mo | $124.05/hr |
| 10701 | Yonkers | $2,720/mo | $99.16/hr |
| 10702 | Yonkers | $2,640/mo | $96.23/hr |
| 10703 | Yonkers | $2,410/mo | $87.06/hr |
| 10704 | Yonkers | $2,560/mo | $93.06/hr |
| 10705 | Yonkers | $2,550/mo | $92.66/hr |
| 10706 | Hastings On Hudson | $2,660/mo | $96.98/hr |
| 10707 | Tuckahoe | $3,040/mo | $110.90/hr |
| 10708 | Bronxville | $2,890/mo | $105.37/hr |
| 10709 | Eastchester | $2,730/mo | $99.53/hr |
| 10710 | Yonkers | $2,510/mo | $91.06/hr |
| 10801 | New Rochelle | $2,650/mo | $96.61/hr |
| 10802 | New Rochelle | $2,640/mo | $96.23/hr |
| 10803 | Pelham | $3,090/mo | $112.75/hr |
| 10804 | New Rochelle | $3,120/mo | $113.91/hr |
| 10805 | New Rochelle | $2,710/mo | $98.80/hr |
Under the Four Times Rent standard, a full-time job in Westchester County, New York needs to pay at least $107.95 an hour before taxes, about $224,539 a year. That leaves $11,840 a month after taxes, four times the typical $2,960 rent on a studio apartment.
The minimum wage here is $17.00 an hour (New York City, Long Island and Westchester rate). The standard is 6.4 times that. A full-time minimum-wage job takes home about $2,425 a month, 20% of the standard.
Take the typical monthly cost of a studio apartment, multiply by four, and divide by 160 hours of work a month. That's the take-home pay needed per hour. The pay before taxes is what it takes to keep that much after federal, state and local income taxes and Social Security and Medicare.
The idea behind the standard is laid out in Chapter 1: The Living Wage Revolution.