NYC has a greater suppy of people, and along with it one of the highest costs of living in the country. I have never "shopped" for a Wedding photographer in the Big Apple, but based on my business background, and many unhappy couples posting, NYC is most likely the most expensive market to find a Wedding photographer in.

Based on what you want, I'd consider contacting a few schools who offer photography classes, and maybe hire a couple of students. Make sure they are not in photo 101, have experience shooting people, and have a reasonable amount of gear to do a good job. I suggest more than one because Wedding photography is just not that easy, and you have to get it right the first time. Hiring 2 or 3 will improve your odds at getting good shots if one photographer having a bad day (or life).

Another option is to contact a Newpaper, and see if they will supply a list of working photojournalists. One warning. Most photojournalists are NOT going to have much if any experience posing people, and doing studio type lighting setups. You may not care about that, but then again I get many people who come to me with the "the candids are more important to me" attitude. But when it comes down to it, Formals is what they reorder, and choose to display along with a few candids.